Prepare the Filling: Combine grated coconut, jaggery, and cardamom in a pan. Cook until the mixture thickens. Allow it to cool.
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Make the Dough: Mix rice flour with water and a pinch of salt to form a smooth, pliable dough. Steam the dough for a few minutes to make it soft.
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Shape the Modak: Divide the dough into small balls. Flatten each ball into a small disc, place a spoonful of the filling in the center, and seal the edges to form a modak shape.
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Steam the Modaks: Arrange the shaped modaks in a steamer lined with banana leaves or parchment paper. Steam for about 10-15 minutes until they are cooked through.
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Serve and Enjoy: Let the modaks cool slightly before serving. They are a delicious offering for Ganesh Chaturthi and can be enjoyed warm or at room temperature.
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