Toast nuts & raisins: Heat ghee in a pan. Toast cashews, almonds, and raisins until golden. Remove and set aside.
Cook the base: In the same pan, add rice and milk. Bring to a gentle boil, then reduce heat and simmer, stirring often, until the rice softens and the mixture thickens.
Flavor & sweeten: Stir in jaggery, saffron, and cardamom. Continue cooking until fully incorporated and creamy.
Finish & serve: Top with the toasted nuts and raisins. Serve warm or chilled.