Soak the basmati rice for 20 minutes, then drain completely.
Heat ghee in a heavy-bottomed pot or pressure cooker. Add cumin seeds, bay leaves, cardamoms, cloves and cinnamon; sauté 30 seconds until fragrant.
Add the sliced onion and sauté 5–6 minutes until golden brown.
Add ginger-garlic paste and cook 1 minute. Add the mixed vegetables and sauté 3–4 minutes.
Add tomatoes (if using), turmeric, coriander powder and salt. Cook 2 minutes.
Add the drained rice and gently toss for 1 minute so the grains get coated in the spiced oil.
Pour in the water, add garam masala and bring to a boil. Cover, reduce to low heat and cook 12–15 minutes until the water is absorbed and rice is tender. (Pressure cooker: 1 whistle on medium heat.)
Rest covered for 5 minutes, then fluff gently with a fork. Garnish with coriander and mint; serve with raita.