Heat ghee or oil in a large frying pan or skillet over medium-high heat.
Add cumin seeds, cinnamon stick and cardamom pods. Sauté, stirring, for few seconds.
Add garlic, ginger and green chilies. Sauté, stirring, for 1 minute or until fragrant.
Add tomatoes. Sauté, stirring occasionally, for 2-3 minutes or until it turns mushy.
Add ground turmeric and garam masala. Sauté, stirring, for one minute.
Add rice and chickpeas. Add saffron milk. Toss.
Stir fry for 2-3 minutes.
Garnish with coriander leaves and cashew nuts if you like.
Serve with yogurt and pappadums if you like.