Mix curd and water. Keep it aside.
Take a bowl, add maida, rice flour, salt, soda mix well then add buttermilk, make it into a vada batter consistency.
Now add cumin seeds, coconut pieces finely chopped, green chilies chopped, finely chopped ginger, mix well keep aside for 1 hour.
Heat oil to fry, make into small round bondas and put into the oil, cook on a very slow flame.
Remove once it is golden brown color. Serve it with coconut chutney.