Pressure cook the channa dal with 4 cups water until cooked soft (3-4 whistles).
The channa dal should crumble on crushing between fingers but shouldn't turn mushy fully. This is perfect.
Add grated jaggery to 1 cup water, heat, and mix until dissolved.
Then, add this to the pressure cooked channa dal and bring to boil.
To this, add the powdered cardamom and jeera - dry ginger mixture.
Let this simmer for about 2-3 mins.
Add coconut milk and before it comes to a full boil, remove from fire and set aside.
Heat ghee and add the coconut pieces.
When it starts to turn brown, add the cashew nuts and raisins.
When they turn golden brown, dunk the entire thing into the prepared payasam.
Serve hot or chilled