Add oil to a hot pan. Add cumin seeds, cardamom, cinnamon,cloves. In a bowl mix curd, fennel powder, ginger paste, 1 tsp chilli powder, salt, sugar altogether. Add to the pan. After 2 minutes add water. Cook for 3 minutes.

Add roasted cumin powder,garam masala powder. Cook for 1 minute. Add paneer. Cook for 2 minutes. Mix 1/2 tsp red chilli powder with ghee. Hot it and add to the pan. Serve with roti or rice.