The month of November has been full of surprises for India. The demonetization of INR 500 and INR 1000 notes by the Modi government has received mixed reactions from the citizens. If you stand in a queue outside a bank or an ATM for a little too long, you can witness it up close or even take the heat for it without reason.

Indians always find an innovative idea to fix out any problem. A number of bullion traders and hawala operators are offering parallel platforms for hoarders of black money to park their unaccounted wealth. Here are some of the Jugaads used for converting black money to white after demonetization.

On the other side of this innovation are mobile wallets companies, such as Paytm, MobiKwik, Oxigen among others, that have emerged as clear winners, and so have the nimble enterprises that have adapted to them.