1. Mash the banana well.
2. Mix the mashed banana,skimmed milk,curd,essence and sweetener well such that you get a custard like consistency.
3. Mix the cut fruits(papaya, apple, orange) well.
4. Refrigerate the two mixtures separately for about 2 to 3 hours. Should not freeze.

For Serving:

1. Take a pudding bowl.
2. In that take the fruit mixture.
3. Add the mixed custard over the fruits.
4. Put a few grapes on top and serve.
5. This is a delicious low calorie fruit dessert and easy to make too.

Serves: 2