Boil the rice in hot water and when done strain and keep aside.
Cook the dal in 2 cups of water and pressure cook. Water should be absorbed.
Mix the cooked rice and dal. Add salt. Mix the saffron in a little water and add to the khichadi.
Now heat the ghee and fry onions for 1 minute. Add the paste and fry again for 2 - 3 minutes. Add the garam masala and fry for 1 minute.
Remove from fire and add curds, sugar and salt. Mix well.
Put 1 tablespoon of ghee in the bottom of a baking bowl.
Sprinkle a few fried onions and spread half the khichadi. Next spread the curd gravy. Finally spread the remaining khichadi. Sprinkle the balance fried onions.
Cover and bake in a hot oven for 15 minutes.