In a bowl, combine ragi flour, curd (if using), and water. Whisk into a smooth, pourable batter without lumps.
Add chopped onions, grated carrot, green chilies, cumin seeds, and salt. Mix well.
Let the batter rest for 10–15 minutes to enhance flavor and soften the flour.
Heat a non-stick tawa or skillet on medium heat. Drizzle a few drops of oil.
Pour a ladleful of batter onto the pan and gently spread it like a pancake.
Drizzle a little oil around the edges. Cook for 2–3 minutes per side until golden and crisp.
Remove and serve hot with chutney, curd, or pickle.