Take the basmati Rice and pulse them twice such that the rice gain breaks down but not blend it to form a powder .Now soak them in Water till the milk comes to a boil.

Grate the apple and fry them in ghee till the moisture content is completely evaporated and the apple becomes soft, now allow them to cool. Meanwhile bring the milk to boil.

Now add in the pulsed basmati Rice and cook till the rice is fully done, next add in the saffron stands.

Mix well and simmer so that the phirni turn light golden in colour .Add in the required sugar and cardamom powder and mix well.

Finally switch off the flame and allow it to chilled, once it comes to room temperature add in the ghee sautéed apple mixture and mix well. Serve chilled by garnishing with nuts of your choice.