In a mixing bowl mash banana.
Add chena, curd, jaggery powder and mix well.

Next add milk and combine all well.

Next add cardamom powder,black pepper powder and mix that too with the pana.

Next add grated coconut, coarsely crushed cashews and almonds. Add kishmish. Mix all well.

Adjust consistency by adding chilled water else you can add some more diluted curd also.

Chena pana is ready.
Serve in glasses and enjoy.

For making chena boil milk,squeeze juice of half lemon and mix. Immediately you can find curdling of milk.Strain and collect the chena.Wash nicely with cold water so as to remove traces of lemon. Cool it down and use when required.