Change economy

Like any other salaried employee, i have my monthly commitments and EMIs.  Post all these expenses and sort of some savings, what is left in my bank account is amount less than Rs.100 (please don't laugh) or for example Rs.49.49 is left in my savings bank account.  But, that is not the challenge.  Challenge is that i cannot withdraw this amount from the ATM as they don't keep provisions for withdrawing this amount.  Even if i go to the nearest bank branch to withdraw this amount, they don't entertain as the minimum currency now is 50 paise

Though salary accounts of people working for bigger corporates are said to be 0 balance account, in actual practice, people do not withdraw these change.  Imagine what would be the end balance maintained by salaried class in the bank accounts and the money enjoyed by the bank.  Probably, this unclaimed balance might be bigger than the NPAs with the banks