
Cash in hand
Immediate Availability
Refers to easily accessible money you can spend right away, without going to a bank.

Can you buy lunch? I don't have any cash in hand.
Informal Spending
Often used for casual, everyday expenses rather than big purchases or formal transactions.

She prefers having cash in hand for quick snacks while shopping.
Not Banking
Unlike bank funds, it doesn't earn interest but is readily available for small transactions.

He keeps cash in hand for when his grandchildren visit.
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