Answer

A respectful reply to “Khamat Khamna” can be:

“Micchami Dukkadam.”

or

“Khamat Khamna, Micchami Dukkadam.”

Explanation

When someone says “Khamat Khamna”, they are asking forgiveness for any mistake, hurt, or offense caused knowingly or unknowingly.

You can reply with forgiveness and humility, such as:

• “Micchami Dukkadam.”
• “Khamat Khamna.”
• “Hu pan tamari pase kshama mangu chhu.” — I also ask forgiveness from you.
• “Aapne ek bijane kshama kariye.” — Let us forgive each other.

Takeaway

The best reply is with a humble heart: forgive them and also ask forgiveness from them. This reflects the Jain value of kshama — forgiveness.