Answer

Yes, in personal conversation, many Jains prefer saying “Khamat Khamana” or “Khamemi Savva Jive” rather than only saying “Michhami Dukkadam”.

“Khamat Khamana” is a respectful way of asking forgiveness personally.

Explanation

Michhami Dukkadam generally means: “If I have caused you any hurt by thought, word, or action, knowingly or unknowingly, may that be forgiven.”

Khamat Khamana is also used in Jain tradition as a humble request for forgiveness, especially in direct personal interaction.

Usage can vary by Jain community, region, and family tradition. Both expressions are connected with the Jain value of kshama — forgiveness.

Takeaway

When speaking personally to someone, saying “Khamat Khamana” is respectful and appropriate within Jain practice.