Roast coconut in a pan and transfer to a mixer jar.
In the same pan add two tsp of oil and add cumin seeds, onion, tomato, garlic and ginger.
Cook on low flame until tomatoes turn mushy.
Add it to the mixer jar with coconut.
Add enough water and grind it to a smooth paste.
Now heat remaining oil and add the spice paste, garam masala, red chilly powder and salt.
Add enough water to make a thin gravy, let it come to boil.
Reduce flame and let it boil for 3-4 minutes.
Transfer to a bowl and set aside.