In a microwave safe bowl, add the milk powder, cream and sugar. Mix well and microwave for 5 - 6 mins.
Remove and using a spatula, combine everything well. Microwave again for 2 mins.
Once done, mix well. Pour this on a greased plate.
Mix the cocoa powder and sugar. Combine well and sprinkle well on the milk fudge.
Melt the choco chip and pour on the cocoa powder. Using a fork, swirl on the top.
Let it set in the refrigerator.