PM Modi has pledged to resolve the issue, but no arrangements made yet

When Bishnu Pandey, a Nepali migrant working in India, returned home last month, he had hoped to clear a loan taken by his family to rebuild its village home with his savings.

But the 35-year-old New Delhi restaurant worker had his dreams shattered after the bank refused to exchange cash worth $440 because of a crackdown on "black money" ordered by Indian Prime Minister Narendra Modi.