Wash rice and dal under cold tap water, about two to three times. Drain the water and set aside.
Press saute mode and add oil and ghee to the instant pot. Once the oil gets hot add cumin seeds, black pepper corns and whole spices. Saute for 30 seconds.
Add the chopped onion and green chili cook till onion turn soft. About 3 minutes. Add the ginger and garlic and cook till raw smell goes away, about a minute.
Now add in the chopped tomato and cook for a minute. Add all the spices and salt and saute for a minute.
Add the veggies and coat them with the spice mixture and cook for a minute.
Add the drained rice and dal and give a mix. Finally add water and mix it well. Taste the water and adjust the salt or spice if required.
Cancel the saute mode, close the lid and adjust the vent to the sealing position. Pressure cook on high for 8 to 9 minutes. After the instant pot beeps, wait for 5 minutes before you release the rest of the pressure.
Mix the khichdi and add some chopped coriander leaves. Khichdi thickens as it cools, if serving later add some hot water to bring the khichdi to consistency you like.