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Heat ghee in a pan and roast the coconut bits (till it turns golden brown). Melt jagery with 1/3 cup water and strain it. Add grated coconut to this and cook on low flame. Cook till the jaggery reduces a bit and the mixture becomes a semi dry consistency.Add rice flakes and roasted gram dal and coconut bits to the coconut jaggery mixture. Cook on low flame for 3-4 minutes, stir continuously. Remove from the flame and keep stirring for 2-3minutes. Add crushed cardamon and mix well. Cover and keep for 20-25 minutes.You can eat it as it is or serve with bananas.