Rinse the ½ cup rice and ½ cup moong dal in a large bowl and soak 10 minutes, then drain.
Heat 1 tsp ghee in a pressure cooker, add the soaked dal and rice, and sauté 2 minutes until the dal smells nutty and aromatic.
Add ¼ tsp turmeric, ½ tsp salt, and 3¼ cups water; stir to combine.
Cover and pressure cook 5 minutes, until the rice and dal are fully soft and mushy.
In a separate kadai, heat 2 tbsp ghee, then add 1 tsp cumin, the bay leaf, and a pinch of hing; sauté on low until the spices turn aromatic.
Add the chopped onion and 1 tsp ginger garlic paste and sauté until softened, then add the chopped tomato and cook until soft and mushy.
Keeping the flame low, stir in ¼ tsp turmeric, 1 tsp chilli powder, ½ tsp garam masala, and ½ tsp salt so the spices bloom without scorching.
Add 1 cup water to the tadka, then fold in the cooked rice and dal and simmer briefly to your target consistency.
Stir through 2 tbsp chopped coriander and serve hot, with extra ghee if desired.