To the cook dal, add the jaggery syrup (or jaggery powder) and mix. Cook for a minute.
Now add the milk and ground coconut and mix well. Adjust the consistency of the payasam depending on how thick or thin you like it.
The paysam will thicken as it cools, so its good to make the paysam little watery.
Simmer for 10-12 minutes and finally add ghee, fried nuts and cardamom powder.
Turn off the heat and serve the payasam warm.