Take a saucepan and mix ragi flour with water.
Whisk it until there are no lumps. Heat is not on at this point.
Take a saucepan over high heat and continue whisking.
Add jaggery or any sweetener of your choice; keep mixing it together.
Jaggery will starts dissolving and mixture starts changing the colour.
Mixture starts thickening and turning glossy.
Turn heat to medium and slowly add milk (if preferred) into it.
Once milk is added, allow it to further cook on medium heat.
Stir continuously, so that no lumps are formed.
Milk will starts boiling and mixture again starts to thicken.
Add your choice of nuts and simmer for couple of minutes. Optionally, you can also add cardamom powder, if preferred.
After final boil of milk, turn off the heat and transfer it your bowl. Entire cooking will take 10-12 minutes only.
Gently stir and Ragi Malt is ready to serve. Enjoy it hot, as once cool down it will thicken further.