He looked at her in amusement and could feel her warm cheeks against his bicep even through the material of his cloth. He couldn't stop himself from smiling at her cuteness. He didn't know why she was getting shy just for calling him by his name. She was just like a little baby to him because he has never been close to a baby before and according to him she was so innocent just like the babies. That's why he calls her 'kiddo'.
But Inaayat remembered once Urvashi asked dadi that why her father Ranvijay Thakur calls her mother by her name but she never took his name. Then Dadi told her that woman shouldn't take their husbands name out of respect, as the husband is often viewed as a deity or a source of high status. Some also believe that using the husband's name might invite negativity or shorten his lifespan.
She remembered Ryker telling her that he is her fiance and one day he will get married to her then he will be her husband so how can she call him by his name and invite negativ