Rinse well chana dal for 3-4 times.
Soak for minimum 30 minutes or upto 3 hours. Soak rice for 30 minutes.
Drain water and keep it aside.
In a pressure cooker, Heat 1.5 tablespoon ghee, add raisins and cashews ,fry till golden and set aside.
In the same pressure cooker , add cloves , chana dal , fresh coconut (¼ cup) and rice , fry on low flame for about 3-4 minutes till water content evaporates completely .
Now add 2 cups of water and pressure cook for 2 whistles. Allow pressure to settle down on its own.
Once pressure settles, open the lid. Add powdered jaggery , grated coconut ¼ cup
Mix well , everything . Regulate flame to low and cook for about 3-4 minutes , until jaggery dissolves and mix well with rice.
Now add in saffron soaked milk ( optional ) and cardamom powder . Mix well everything. If you find it thick , you can add little hot water to thin it out.
Turn off the stove. Add fried cashews , rasins and remaining 1.5 tablespoon of ghee / clarified butter .
Mix well everything and serve hot or warm.