SQL UDF to get Currency in Comma seperated

CREATE FUNCTION [dbo].[fn_CurrencyInComma]

(

       @Value DECIMAL(18, 2)

)

RETURNS VARCHAR(50)

AS

BEGIN

       DECLARE       @s VARCHAR(50),

              @ptr SMALLINT

       --FOR INDIA SET 2, AND FOR UK SET 3

       DECLARE @IndiaOrUK SMALLINT = 2

       SELECT @s = CAST(@Value AS VARCHAR(50)),

              @ptr = DATALENGTH(@s) - 5

       WHILE @ptr >= 2

              SELECT @s = STUFF(@s, @ptr, 0, ','),

                     @ptr = @ptr - @IndiaOrUK

       RETURN @s

END