1. Soak brown chana in water overnight. Cook till soft.
2. Drain from cooking liquid and reserve.
3. Peel and slice bananas and potato.
4. Heat oil in a kadai. Add bay leaf and panch phoorna.
5. After few seconds, add banana and potato slices and fry till they begin to brown.
6. Add rest of the ingredients except garam masala and ghee.
7. Cover and cook on low heat till vegetables are cooked.
8. Add garam masala, mix well and remove from fire.
9. Pour the ghee on top. (Optional)

Note:
Panch phoorna is a mixture of fennel (saunf), mustard, cumin, fenugreek and black cumin