Rinse and soak the rice and lentils separately for 2-3 hours.
Drain the water and grind them together with dry red chilies and salt to make a coarse batter.
Mix in the chopped onions and cumin seeds into the batter.
Heat a non-stick tawa or griddle and pour a ladleful of batter.
Spread the batter in a circular motion to make a thick pancake.
Drizzle a little oil around the edges and on top of the pancake.
Cook until crispy and golden brown on both sides.
Serve hot with coconut chutney or any other South Indian-style chutney.