Rinse the lentils, red kidney beans and channa dal and add them to the pressure cooker with the 4 cups of water. Let them sit in the water while you prepare the other ingredients.
Make a paste by grinding together the red chiles, ginger and garlic. You can use a mortar and pestle or try my method. I tried grinding them without much success in a mini Cuisinart so I removed some of the water for the recipe and added it to the paste mixture...worked like a charm.
Combine all ingredients except the last measure of garam masala in the pressure cooker and set for 15 minutes on high; let pressure release naturally. Mash the lentils a little bit turn on simmer,.
Add the pinch of garam masala and half and half and simmer for 5 minutes.
Serve over rice and garnish with yogurt, chopped cilantro and diced red onion.
Serve with Naan (optional).
Notes
I usually double it and then freeze leftovers. Works like a charm.