Soak raw rice in water for 3 hours.
In a pan, dissolve 1 cup jaggery in ¾ cup water, boil until syrup forms and allow to cool completely.
In a mixer, add soaked rice, grated coconut, ripe banana, ½ cup cooled jaggery syrup, cardamom, salt and a pinch of cooking soda.
Grind without adding water. If the batter is too thick, add the remaining jaggery syrup. If still thick, add little water and grind again until flowing batter consistency.
Batter should not be too thick or too watery. Add ¾ tbsp wheat flour and adjust again with water if needed.
Heat paniyaram kadai and add ghee/oil up to ¾th level in each kuzhi. Heat for at least 3 minutes.
Pour batter into each kuzhi, keep flame low and do not close the lid. This gives fluffy texture.
Once the bottom turns golden, flip gently and cook the other side.
Remove once both sides turn golden brown. Nei Appam is ready to serve.