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Clean, wash and soak the whole urad and rajma overnight.
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Drain and pressure cook the dal with 2 cups water and 1/2 tsp salt for 10 to 12 whistles or till the dals are overcooked.
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Once the pressure cools down to open the cooker and mash the dal, keep aside.
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Heat ghee in a pan and add the cumin seeds, cinnamon, cloves, cardamoms, and bay leaf and let them splutter.
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Add the green chilies, onions and sauté till the onions turn golden brown.
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Add ginger-garlic paste and saute till the raw smell goes away.
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Add tomato puree and sugar and cook for 5 mins or till oil separates.
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Add chili powder, turmeric, coriander powder, and salt and saute until it starts sticking to the bottom of the pan.
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Add curd and cook till the oil separates for around 2 mins.
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Add the dal and water if required and simmer for 10 to 15 minutes.
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Add the milk and mix well. Simmer for 2 to 3 more minutes.
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Garnish with coriander leaves and serve hot.