Sieve all the dry ingredients- maida, sugar, baking powder, baking soda and cocoa powder. Keep aside.

Melt milk chocolate in. a microwave or a double boiler. Cool it then add condensed milk, refined oil and curd to it. Whisk it.

Pour into the cake tin and bake at 180°c for 30 mins. Please keep an eye on the cake. Check with a knife or a skewer in the centre. The skewer should come out clean. let the cake cool completely.

Ganache: melt dark chocolate and cream in a bowl in a microwave (stop at 30 sec intervals) or double boiler.

Cut cake into 3 equal parts. Put 1 slice on a cake board and apply a generous amount of ganache. Spread evenly and add chopped dark chocolate or choco chips, chopped cashew and butterscotch granules.

Similarly make the second layer and cover with the 3rd cake part. Now cover the cake completely with ganache and smooth it. Then decorate with sprinkles of your choice or pipe cold ganache. And it's ready to serve.