Currency recognition systems often overlook usability and authenticity assessment, especially in low-resource environments where visually impaired users and offline validation are common. While existing methods focus on denomination classification, they typically ignore physical degradation and forgery, limiting their applicability in real-world conditions. This paper presents a unified framework for currency evaluation that integrates three modules: denomination classification using lightweight CNN models, damage quantification through a novel Unified Currency Damage Index (UCDI), and counterfeit detection using feature-based template matching. The dataset consists of over 82,000 annotated images spanning clean, damaged, and counterfeit notes. Our Custom_CNN model achieves high classification performance with low parameter count. The UCDI metric provides a continuous usability score based on binary mask loss, chromatic distortion, and structural feature loss. The counterfeit detection module demonstrates reliable identification of forged notes across varied imaging conditions. The framework supports real-time, on-device inference and addresses key deployment challenges in constrained environments. Results show that accurate, interpretable, and compact solutions can support inclusive currency evaluation in practical settings.