In a nonstick pan, heat ghee and roast coconut and samai for 4 to 5 mins.
Then, add milk, stir and then add sugar. Cover and let it cook for 10 mins, in interval keep stirring.
After about 10 mins when the pudding starts to thicken, turn off the heat.
Add Cardamom powder. If you are using Cloves, roast it with coconut and moriyo. For color, you can add saffron.
Garnish with dry fruits.