1. Prepare the garnish first: chop the tomato, onion and cucumber and set aside.
2. Mix all the remaining ingredients together until well blended: 250 gm yoghurt, salt, red chili powder, cumin powder, ginger-garlic paste and black pepper. Add half of the garnish and stir in well.
3. Pour into a serving bowl with the remaining garnish arranged on top and serve well chilled.
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