For masala bhat, wash and soak rice for 20 minutes in water. In small pressure cooker heat oil and ghee. Add mustard seeds, cumin seeds, cloves, cinnamon piece, cardamom and bay leaf. When crackles add chopped onion and ginger-garlic paste. Saute for sometimes. Add chopped tomato, potato, brinjal, carrot and green peas. Saute for a couple of minutes.