Step 1: Prepare the Basmati Rice : Rinse rice until water runs clear. In a pot, heat ghee or oil. Add rice and sauté for 1 minute. Pour in 3 cups water and add salt. Bring to a boil, then cover and simmer for 12–15 minutes. Fluff with a fork and set aside.
Step 2: Start the Balti Curry Base : Heat oil in a large pan. Add cumin seeds and mustard seeds; let them crackle. Add sliced onions and sauté until golden brown. Add garlic, ginger, and green chili; cook for 1 minute.
Step 3: Add Spices : Add turmeric, cumin powder, coriander powder, and chili powder. Cook for 30 seconds to release aroma.
Step 4: Cook the Chicken : Add chicken pieces to the pan. Stir well to coat with the spices. Cook for 5–6 minutes until lightly browned.
Step 5: Add Tomatoes and Simmer : Add chopped tomatoes or puree. Cook until tomatoes break down and form a thick masala. Add salt and mix well. Add water and bring to a simmer. Cover and cook for 10–12 minutes.
Step 6: Finish the Curry : Reduce heat and stir in yogurt or coconut milk. Add garam masala. Add sliced bell peppers and cook for 3–4 minutes to keep them crisp. Garnish with fresh coriander.