Mix together yoghurt, rice flour and cardamom powder. Keep aside. Heat oil in a pan and temper with cumin seeds, bay leaves, cinnamon, cardamoms and cloves. Saute for a few seconds.
Add the onion, ginger and garlic and saute till light brown. Now add the cauliflower, potatoes, salt, turmeric powder and green chilies. Mix everything well and cook, covered on a medium flame till they turn soft.
Sprinkle water and continue to stir at intervals till done. Now add the yoghurt mix and simmer further till it thickens.
Switch off the flame and garnish with coriander leaves. serve as a side dish with any form of rice or Indian bread.