Rinse and clean urad dal properly and soak for 3 to 4 hours. Do the same with rice.
After 4 hours grind rice and urad dal separately. Beat the urad dal with hands till fluffy. Put a drop of the batter in water and whether the batter is floating then it is ready to add rice paste. Mix rice paste and beat again.
Peel ginger, crush it and keep aside. Make black pepper powder and keep aside. Mash the banana and keep aside mix everything to the batter except ghee. Mix properly and let it rest for 15 mins
Pre heat a tawa and pour a ladel full of batter on it. Speared but it has to be thick. Spread ghee on and around the chakuli. Turn the chakuli when down side is golden brown. Cook both sides upto golden brown.
Generally It is served without any thing. But one can pair allo curry or guguni with this. Serve hot.