Marinate fish with a pinch of salt, turmeric and chili powder for 10 minutes.
Heat oil and ghee. Sauté onion till light bread. Add ginger and garlic paste and fry for a minute.
Add all dry spices and mix well.
Add curd and green chilies. Simmer for a minute.
Add coconut milk and simmer for a minute more.
Add the fish and cook, covered for 4 to 5 minutes.
Switch off the flame and keep aside.
Add ghee or oil in a separate pan and temper with whole garam masala and bay leaves. Add onion and sauté till light brown.
Add soaked rice and stir for 2 minutes
Add 4 tbsp. of the gravy, salt and 1 & 1/2 cups water. Cook till the rice is done.