Saute cumin seeds and black mustard seeds in oil until mustard seeds pop -- about a minute.
Add onion and garlic and saute till golden.
If chile isn't already cooked, saute it with the onions.
Add water or broth.
Add chopped vegetables, and chile if you haven't already done so.
Salt to taste.
Boil till vegetables are cooked as much as you want (don't overcook).
Stir in cereal. Don't make it too thick. Be sure there's lots of liquid to begin with. At the time you add the cereal, the liquid to cereal ratio should be at least 4 to 1, maybe 5 to 1 or 6 to 1.
Cook till cereal is done. Should be about the consistency of breakfast cream of wheat. Stir as needed so it doesn't burn.
Add tomato towards the end.
Serve with yoghurt if you wish.