Poona Pancakes

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1 cup basmati rice

1 cup black bean dal or lentils

3 cups water

5 tablespoons plain yogurt

1 1/2 teaspoons salt

2 tomatoes, peeled, seeded, and diced

2 serrano chiles, stems and seeds removed, diced

1 small red onion, diced

1/2 bunch cilantro, stems trimmed, roughly chopped

1/3 cup vegetable oil

Yogurt, chopped tomatoes, and chopped cilantro for garnish