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Start the instant pot in Sauté mode and let it heat. Add ghee (or oil), and then add cumin seeds. Let them sizzle for 30 seconds.
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Add onions, ginger and garlic paste. Sauté for about 3 minutes until the onions turn golden brown.
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Add tomato puree and spices. Mix and let it sauté for 2-3 minutes. (If your instant pot is prone to burn, then skip this step and add the tomato puree after sautéing the chicken and adding water. Do not stir.)
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Add chicken pieces to the pot. Stir and saute the chicken for about 3-4 minutes. Do not skip this step, as it adds lots of flavor to the curry.
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Add the water and stir. Press cancel and close lid with the vent in sealing position.
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Start the instant pot in Manual or Pressure cook mode on high pressure for 4 minutes.
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When the instant pot beeps, quick release the pressure manually and open the lid.
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Stir in the coconut milk, garam masala and let it simmer on sauté mode for 4-5 minutes or until the sauce is thickened (see notes to thicken sauce).
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Stir in the lime juice and garnish with cilantro. Coconut Chicken Curry is ready to be served. Enjoy over basmati rice or with naan.