在PHP中的数字到单词转换（印度卢比）十进制字符串问题

I reworked the code slightly to a more efficient code. (I think).
It uses less variables, no imploding, no array functions, less ifs, and less calculations.

It explodes the number at . and makes it an array and handles them seperatly in the same code ($val).
Then it takes each number of the string and str_pads it to it's "main number" (don't know a better way of saying it).
So 1526, it looks at the 1, and makes it 1000 with str_pad.
If it's above 90 use both $words and $digits.

This code will also handle numbers like 0.50, or 10.

function displaywords($number){
    $words = array('0' => '', '1' => 'one', '2' => 'two',
    '3' => 'three', '4' => 'four', '5' => 'five', '6' => 'six',
    '7' => 'seven', '8' => 'eight', '9' => 'nine',
    '10' => 'ten', '11' => 'eleven', '12' => 'twelve',
    '13' => 'thirteen', '14' => 'fourteen',
    '15' => 'fifteen', '16' => 'sixteen', '17' => 'seventeen',
    '18' => 'eighteen', '19' =>'nineteen', '20' => 'twenty',
    '30' => 'thirty', '40' => 'forty', '50' => 'fifty',
    '60' => 'sixty', '70' => 'seventy',
    '80' => 'eighty', '90' => 'ninety');
    $digits = array('', '', 'hundred', 'thousand', 'lakh', 'crore');

    $number = explode(".", $number);
    $result = array("","");
    $j =0;
    foreach($number as $val){
        // loop each part of number, right and left of dot
        for($i=0;$i<strlen($val);$i++){
            // look at each part of the number separately  [1] [5] [4] [2]  and  [5] [8]

            $numberpart = str_pad($val[$i], strlen($val)-$i, "0", STR_PAD_RIGHT); // make 1 => 1000, 5 => 500, 4 => 40 etc.
            if($numberpart <= 20){ // if it's below 20 the number should be one word
                $numberpart = 1*substr($val, $i,2); // use two digits as the word
                $i++; // increment i since we used two digits
                $result[$j] .= $words[$numberpart] ." ";
            }else{
                //echo $numberpart . "<br>
"; //debug
                if($numberpart > 90){  // more than 90 and it needs a $digit.
                    $result[$j] .= $words[$val[$i]] . " " . $digits[strlen($numberpart)-1] . " "; 
                }else if($numberpart != 0){ // don't print zero
                    $result[$j] .= $words[str_pad($val[$i], strlen($val)-$i, "0", STR_PAD_RIGHT)] ." ";
                }
            }
        }
        $j++;
    }
    if(trim($result[0]) != "") echo $result[0] . "Rupees ";
    if($result[1] != "") echo $result[1] . "Paise";
    echo " Only";
}

$ins=1516.16;

echo displaywords($ins);

https://3v4l.org/rFvbJ

added some comments to the code.
Noticed it was giving wrong outputs on larger numbers, corrected.

function displaywords($number){
   $no = (int)floor($number);
   $point = (int)round(($number - $no) * 100);
   $hundred = null;
   $digits_1 = strlen($no);
   $i = 0;
   $str = array();
   $words = array('0' => '', '1' => 'one', '2' => 'two',
    '3' => 'three', '4' => 'four', '5' => 'five', '6' => 'six',
    '7' => 'seven', '8' => 'eight', '9' => 'nine',
    '10' => 'ten', '11' => 'eleven', '12' => 'twelve',
    '13' => 'thirteen', '14' => 'fourteen',
    '15' => 'fifteen', '16' => 'sixteen', '17' => 'seventeen',
    '18' => 'eighteen', '19' =>'nineteen', '20' => 'twenty',
    '30' => 'thirty', '40' => 'forty', '50' => 'fifty',
    '60' => 'sixty', '70' => 'seventy',
    '80' => 'eighty', '90' => 'ninety');
   $digits = array('', 'hundred', 'thousand', 'lakh', 'crore');
   while ($i < $digits_1) {
     $divider = ($i == 2) ? 10 : 100;
     $number = floor($no % $divider);
     $no = floor($no / $divider);
     $i += ($divider == 10) ? 1 : 2;


     if ($number) {
        $plural = (($counter = count($str)) && $number > 9) ? 's' : null;
        $hundred = ($counter == 1 && $str[0]) ? ' and ' : null;
        $str [] = ($number < 21) ? $words[$number] .
            " " . $digits[$counter] . $plural . " " . $hundred
            :
            $words[floor($number / 10) * 10]
            . " " . $words[$number % 10] . " "
            . $digits[$counter] . $plural . " " . $hundred;
     } else $str[] = null;
  }
  $str = array_reverse($str);
  $result = implode('', $str);


  if ($point > 20) {
    $points = ($point) ?
      "" . $words[floor($point / 10) * 10] . " " . 
          $words[$point = $point % 10] : ''; 
  } else {
      $points = $words[$point];
  }
  if($points != ''){        
      echo $result . "Rupees  " . $points . " Paise Only";
  } else {

      echo $result . "Rupees Only";
  }

}


echo displaywords(1542.26);
echo "
";
echo displaywords(1542.58);