Boil oil and ghee in a skillet, add bay leaf,add jeera, garam masala, saute for two minutes add onion mixture, saute add turmeric powder, black pepper powder, jeera dhania powder, add garam masala powder mix again add dry fenugreek leaves, add milk powder, mix it well add boiled rajma with water and salt mix well, cook until done and turn off the heat and keep aside.