please can tell what to do in this situation

sorry i didn't get you

let me know In which city u live in.. here we have a agent who sits near bank and he claers the money by giving him a cheque at 3-5% commission

In Bangalore city, there are agents who take commission and take your cheque at discounted rate. That means they cut their charges and give you cash. You need to bring a introducer who knows that man. This facility is awfully good for businessmen who take the cash by giving the cheque to this person and encash millions of dollars a day.

Why don't you try to get a debit card for the future. Or do what the above person said.