Combine all of the ingredients except the oil/ghee in a large mixing bowl, and mix with a spoon or spatula until well combined. Add more water, if necessary. The batter must have a yogurt-like consistency.
Heat 1/2 tbsp oil in a frying pan. Add about 1/4 cup batter and cook over low flame until golden brown, turning the pancake once during cooking. Take the pancakes from the pan as they cook and place on a big serving plate lined with paper towel to absorb the excess oil. Repeat until all the batter has been used, adding oil to the pan from time to time.
Serve the pancakes warm, topped with honey, sliced apples, chopped nuts and/or ghee.