sift flour, baking powder, baking soda and salt together
in a bowl beat curd, cream, sugar and essence till the sugar dissolves
add dry mixture and milk alternatively and mix well
preapare a smooth batter
add chocolate chips and mix well
pour the batter into muffin mould lined with paper cups
sprinkle some chocolate chips on the top
bake in preheated oven at 180c for 20-25 minutes
once done, remove from the oven and cool on wire rack