In a small pan add the jaggery and the water.
Dissolve the jaggery and then set it on low heat.
As it comes to a slow boil skim the bubbles on the surface to reduce impurities.
Into a sperate pan add the water to cook teff and let it come to a boil.
Wash and drain the teff carefully and add the teff to the boiling water.
Cover and cook on low heat till the teff is soft and creamy. Dont forget to stir in between.
Into the another sauce pan, add the milk and bing it to a boil.
Now add the cooked teff and whisk well to have a lump free mix.
Let this boil and then add the jaggery syrup to taste. Mix well.
Add crushed cardamom and remove from heat.
Into a small pan add the coconut oil and roast the coconut till golden brown.
Add this on top of the payasam.
Mix and serve warm.