First boil the water in the pot.

Then add a handful of rice for first 3 times, then add rest of rice and cook. Make sure not stir until it boils over. Once it is boil over

continue to cook until rice is almost over cooked.

Then add grated jaggery and mix and cook for 5 minutes.

Then add ghee and coconut then cardamom and cook until everything combined well and the payasam get thickened well.

Once everything cooked add 1 small banana cut into rounds.

It is ready for offering.