From Wiktionary, the free dictionary
From ਕਮ (kam, “little, less”), from Classical Persian کم (kam).
ਕਮ- • (kam-)
- little, less (added to nouns to form nouns or adjectives indicating a lesser extent or amount)
- ਕਮ- (kama-) + ਖਰਚ (kharac, “expenditure”) → ਕਮਖਰਚ (kamkharac, “frugal”)