Soak rice in water for 4 hrs, and grind to fine paste with grated coconut and khoya. Add jaggery ( or sugar ) and coconut-milk, Beat briskly with spoon. Heat the appam-ke-sanche and put a spoon of ghee in each dent and pour batter into these, cover and cook. Turn over to cook other side. Remove when spongy and brown on both sides.