Soak urad dal and rajma overnight. Pressure cook with water and salt until soft—mash and set aside.
Heat ghee in a pan, add cumin and whole spices, and let it splutter.
Add chilies and onion and sauté until golden. Add ginger-garlic paste, sauté until aromatic.
Add tomato puree and jaggery, cook 5 minutes until oil separates.
Add chili, turmeric, coriander powder, and salt. Sauté until the masala thickens.
Add curd and cook for 2 minutes. Add dal and simmer 10–15 minutes. Add milk and simmer 2–3 minutes.
Garnish with coriander. Serve with brown rice.