What is the term for money available in the form of coins and notes?

The term that specifically refers to money available in the form of coins and notes is "Cash." Cash represents physical money that can be used for transactions. It is the most liquid form of wealth, which means it can be used immediately for purchases or payments without requiring conversion or processing.

While "Capital" generally refers to financial assets that can be used for investment or to produce goods and services, and "Currency" refers to the system of money in general use in a particular country, "Cash" explicitly denotes the tangible money that can be handled physically. "Fund," on the other hand, typically refers to a pool of resources set aside for a specific purpose, often managed for investment or spending in a particular area. Therefore, when discussing money that is literally in hand, the correct term is "Cash."