Udhaar Bandh Hai

Do you know one of the most common words I've encountered since I came to Baroda(Been a month now..wow)? It is' Jama' (deposit). I don't know whether there really is such a big coin shortage here or whether people just like to keep things jama hoping that the other person will forget that something is owed? Let's see now- people who have told me 'jama' are: - The South Corner larriwalla(He makes stuff as good as or better than the restaurant guys)- kept 5 Rs Jama. - The other(Not the one I sometimes visit during my morning walk) tea stall guy in Fatehgunj(I was too famished for a cuppa that day in the afternoon): 1 Re jama(That was the first and last time I went there, frankly- didn't like the taste) - The dhobi,nee presswalla(Since he only irons clothes): 2 Rs jama Some more enterprising people charge the rounded off figure if they don't have change- for eg, the local papers like Sandesh and Guj Samachar cost Rs 2.25/- and the paper guy deducts 3/- ...