In a mixer, combine two tbsps of gram flour, ragi flour, oats and semolina, along with curd. Add ginger, green chillies and a little water, then blend into a smooth batter.
Transfer the batter to a bowl. If it is too thick, add water to achieve a smooth consistency.
Add salt, spices and finely chopped onion, carrot and capsicum to the batter.
Heat a nonstick pan with a little oil. Pour a ladleful of batter and spread it into a circular shape. Cook until one side is golden brown.
Flip the cheela and cook the other side. Serve hot with mint chutney for a healthy meal.