1 banana cut into bite size pieces
1 apple skin removed & cut into bite size pieces
1 orange peeled & cut into bite size pieces
few grapes cut into bite size pieces
few strawberries cut into bite size pieces
1/2 cup of cold milk
1/2 of condensed milk
cardamom powder to taste
Banana & apple tend to get oxidized, so cut these fruits last & immediately add them to milk & condensed milk mixture. If you prefer it sweeter, add sugar to taste.
For the additional crunch, you can top it with some dry-fruits or chocolate pieces. To make it richer, you can replace milk with cream and whip it till it gets a bit frothy and add condensed milk to that followed by fruits and nuts.