Firstly, peel the skin of the apple and grate it.
transfer the grated apple to a pan. make sure not to rest long as it oxidised and turns brown.

Saute with 1 tsp ghee on medium flame.
cook until the water is all evaporated and apple is cooked well. cool completely.
in a large kadai heat 3 cup milk and add ¼ tsp saffron. get to a boil.

Add ¼ cup condensed milk and mix well.
boil for 10 minutes or until the milk thickens.
add ¼ tsp cardamom powder and mix well. allow the milk to cool completely.
now add cooked apple and mix well. make sure both apple and milk is to room temperature, else there are chances of milk to curdle.