Chop bandanas, in mixer jar add bananas,cocoa powder,all-purpose flour,wheat flour and milk,pinch of salt.blend to paste

Take out paste in big bowl,add baking powder to it.add nutmeg powder and cardamom powder.

Heat appam pan add desi ghee.fill 3/4 cavity, put chocolate piece inside.again pour mixture.cook from both sides till golden colour.

Serve hot with tea or coffee.its best option for evening snack.do try this.it is sugar free recipe.