1. Wash rice 3-4 times until water clear
2. Crumble paneer into small pieces
3. Soak saffron in warm milk 10 min
4. Heat ghee in small pan
5. Fry cashews and raisins 2-3 min until golden
6. Set nuts aside
7. Pour milk in large pot
8. Heat milk to boil over medium
9. Reduce to medium-low simmer
10. Add rice stir constantly
11. Cook 20-25 min stirring often
12. Rice should soften and milk thicken
13. Add jaggery stir until dissolved
14. Add paneer fold gently
15. Cook 5-10 min more stirring
16. Add cardamom saffron with milk and nutmeg
17. Stir everything together
18. Taste add salt if needed
19. Add fried nuts and raisins
20. Cook 2-3 min more
21. Optional add rose water
22. Should be creamy and pourable
23. Serve warm or cold
24. Garnish with nuts or dates