Subtracting ₹137 from ₹500 in your head is slow. Shopkeepers don't do it. They count up from the price to the note, in easy jumps, and hand you each jump as they go.
Each jump is a small, round number, so there is nothing to carry or borrow. Better still, each jump is already a handful of notes: ₹3 is ₹2₹1, ₹60 is ₹50₹10, ₹300 is ₹200₹100.
Cough syrup: ₹118, paid with ₹200
Change: ₹2 + ₹80 = ₹82, given as ₹50₹20₹10₹2
Auto fare: ₹159, paid with ₹200
Change: ₹1 + ₹40 = ₹41, given as ₹20₹20₹1
Mobile recharge: ₹469, paid with ₹500
Change: ₹1 + ₹30 = ₹31, given as ₹20₹10₹1
Rice, 5 kg: ₹409, paid with ₹500
Change: ₹1 + ₹90 = ₹91, given as ₹50₹20₹20₹1
Subtraction needs you to hold borrowed digits in your head. Counting up only ever adds, and every step lands on a round number you can check. It's also how change is counted out loud at a counter ("137… 140, 200, 500"), so the customer can follow along.
Chhutta's practice mode gives you random customers with real Indian prices. Try to work out the change before you look at the "change due" line, then build it from the drawer.
Start at the price and add small round jumps until you reach the amount paid: to the next ten, the next hundred, then the note. The jumps add up to the change.
It gives the same answer, but it only uses addition, which most people find easier to do in their head.