Warm a pan on low heat and add the grated coconut and gur. Stir for 3 to 4 minutes until the gur melts and coats the coconut. If using desiccated coconut, add 2 tablespoons of milk. Switch off the heat and cool completely.
Preheat the oven to 170°C (340°F) and line a baking tray with parchment paper.
In a large bowl, mix the whole wheat flour, rice flour, baking powder, cardamom and salt. Add the melted ghee and rub it in with your fingers until the mixture looks like breadcrumbs.
Add the cooled coconut and gur mixture and mix well.
Add milk a spoonful at a time until the dough holds together when pressed. It should be soft but not sticky.
Roll small portions into balls, flatten lightly into thick rounds, and place on the tray with space between each. Press a piece of nut on top.
Bake for 18 to 22 minutes, until the edges turn golden brown.
Rest on the tray for 10 minutes. They firm up as they cool.