Drain the soaked millet and dal and keep aside.
Heat ghee or oil in a pressure cooker or instant pot on sauté mode.
Add cumin seeds and let them crackle.
Put the ginger, garlic, green chillies, and bay leaf and sauté for a few seconds.
Add turmeric powder and salt and mix well.
Mix in the millet, dal, and water and stir well.
Add the vegetables and gently press them down.
Close the lid and cook on high pressure for 15 minutes.
Let the pressure release naturally.
Open the lid and fluff the khichdi with a fork.
Sprinkle garam masala and cilantro on top.
Serve hot with yoghurt, pickle, or papad.