Boil jaggery and water; melt jaggery and keep aside
Mash banana well
Add filtered jaggery water, cardamom powder, wheat flour, rice flour, coconut, water; mix well
Rest for at least one hour
Add baking soda; mix well
Add ghee and Heat the kuzhi panniyaram pan on medium flame. When the pan is hot take a little batter in a small ladle or spoon and add each hole
Drizzle ghee and cook, After one side is cooked well, turn the appam and cook the other side
Flip carefully and cook until it is done. Prick the appam and check if the appam is done
Carefully take the appam and drain the ghee