In a deep button sauce pan add milk and reduce the milk up to half. 

Wash and clean apples. Peel and decore the apples. Grate the apples and keep aside. 

In a kadai heat ghee  and add chopped nuts and fry up to brown and bring out to a bowl.

In the same kadai add more ghee and add grated apple and sauté up to dry. Then switch off the gas

In the reduced milk add condensed milk and salt and stir. Again add sugar to it. If you want more sweetness you can add more sugar. 

Crumble the paneer with hand and add this crumbled paneer to milk and switch off the gas.  Crumbled paneer thicken the milk. Then keep aside the milk mixture up to room temperature. to

When both fried apple and milk mixture come to temperature, then mix both. Mix it properly without any apple lump. Then add cardamom powder and fried nuts to it and mix. Then keep it in fridge to become chill. Serve the kheer chilled..