Heat oil in a heavy bottomed vessel.Add cumin seeds and red chillies.Fry for 10 seconds on low flame.

Add chopped onion,fry till golden.Add ginger garlic paste and add 1 tbsp water.Cook for 1 minute.

Blend curd and besan in a bowl.Add 1 cup water and blend well.Add turmeric powder,red chilli powder,coriander powder and garam masala powder.Mix well.

Add this mixture to the vessel, add 2 cups water,stir continuosly to avoid lumping.Add salt.

Stir till boiling,now simmer the flame and cook on low heat for 20 minutes.Partialy cover the lid of vessel.

After 20-25 minutes,kadhi is thick.Put off flame.

Serve hot with roti/rice.