Wash and soak rice and dal for sometime. Drain water completely.Chop onions and tomatoes.Heat ghee in a pressure cooker or pot.Allow cumin to crackle and saute bay leaf as well.Fry ginger until fragrant. Do not burn.Fry onions until the raw smell goes. Add tomatoes, salt and turmeric and saute until they turn mushy.Add chili , red chili powder and cook for one to 2 mins.Add drained rice and fry for 3 mins. Pour water and pressure cook for 1 whistle. If cooking in a pot, cook until soft.Serve dal khichdi with papad, pickle or kadhi.