Soak chickpeas or chosen beans overnight for 8 hours, then boil until soft and tender. Drain and set aside.
Heat ghee or coconut oil in a heavy-bottomed pot over medium heat.
Add cumin seeds, asafoetida, bay leaves, black and green cardamoms, cinnamon stick, cloves, and fennel seeds. Sauté briefly until fragrant.
Add the boiled beans along with turmeric powder, coriander powder, and Kashmiri red chili powder. Mix well to coat the beans with spices.
Lower the heat to low and gradually add beaten yogurt while stirring continuously to prevent curdling.
Continue cooking on low heat, stirring occasionally, until the gravy thickens and oil begins to separate from the sides.
Add salt to taste and garnish with desired dry fruits before serving.