Rinse 1/2 cup rice and soak for 15 minutes
Heat 1 tablespoon ghee in a heavy pan
Add 10 to 12 cashews and 10 to 12 raisins; fry until golden
Remove and set aside
Add the soaked rice to the same pan and sauté for 1 to 2 minutes
Add 4 cups milk and bring to a boil
Lower the heat and cook until the rice becomes soft
Stir in 1/2 cup sugar or to taste
Add 1/4 teaspoon cardamom powder
Add a pinch of saffron if desired
Simmer until the payasam thickens to your liking
Add the fried cashews and raisins
Mix well and turn off the heat
Serve warm or chilled