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A respect term that is used when a man is friends with a woman. Madam Bhaji is more relaxed term than Madam.
"Madam Bhaji, how are you doing today?"
"Madam Bhaji, tusi kive ho"
" Oh Madam Bhaji, do you want to hangout today?"
What an Indian man ( typically from Punjab region) calls a girl that is like a bro/sis to her. It is a form of a respect.
" Oh Madam Bhaji! How have you been?
" Madam Bhaji, how is your husband/boyfriend been?
A respect term that a man calls a woman when he is friends with her. Madam Bhaji is more relaxed than just Madam.
"Madam Bhaji, want to get food?"
"Madam Bhaji, how do you do?"
"Madam Bhaji, can you teach me Punjabi?"