Mash the bananas with a fork In a blender

Cream sugar and oil for about 5 minutes

Add vanilla essence

Sieve flour, baking powder, baking soda and salt in a bowl

Add the dry ingredients to the creamed mixture

The batter will be thick.add milk

Include walnuts and chocolate chips keeping a few for the top layer.

Line and grease the cupcake moulds or baking pan

Pour in the mixture
Bake for 25-30 minutes in a preheated oven at 200 degrees

Check with a skewer test

Remove when done

Cool it over a rack and enjoy when cooled