Sift the refined flour and chickpea flour (besan) into a mixing bowl.
Add the spices, vegetables, and paneer to the sifted flours and mix well.
Stir in the oil and curd.
If the batter feels too dry, add 2 tbsp of water or as needed, and mix until combined.
Spoon the batter into the muffin tray lined with muffin liners.
Preheat the oven to 180℃ (350℉).
Once preheated, bake for 15-20 minutes.
Check doneness by inserting a toothpick or knife- if it comes out clean, the muffins are ready.
Remove the tray from the oven.
After 5 minutes, take the muffins out of the tray and allow them to cool down.
Serve with tomato ketchup, a dip of your choice, or enjoy them plain.