Heat ghee in medium pan; cook onion and garlic, stirring, until onion is browned lightly.
Add all spices; cook, stirring, until fragrant.
Add cury leaves, coconut, water, milk, salt and potatoes; simmer, covered, for about 15 minutes or until potatoes are just tender.
Add cauliflower; simmer, covered, about 10 minutes or until cauliflower is just tender.
Stir in peas; simmer until peas are heated through.