In a small bowl, mix the ragi flour with a little water to form a smooth paste, ensuring there are no lumps.

In a saucepan, bring the milk (or water) to a boil.

Lower the heat and slowly add the ragi paste, stirring continuously to prevent lumps.

Cook on low heat for about 5-7 minutes until the mixture thickens to a porridge consistency.

Add jaggery or sugar and cardamom powder, stirring well until the sweetener dissolves.

Pour the porridge into a bowl and top with your choice of sliced bananas, chopped nuts, or raisins. Serve warm for a hearty breakfast or snack.