In a mixing bowl or pan, take warm water. You can warm the water on stovetop or microwave or in a electric heater.
Add the powdered jaggery or sugar.
Stir very well so that all the jaggery or sugar is dissolved.
Then add vanilla extract or essence. Add the olive oil. If using any other oil, use a neutral flavored oil. You can also use melted butter instead of oil. Stir briskly with the wired whisk for 2 to 3 minutes till the oil is mixed very well with the water.
Now add vinegar. You can use apple cider vinegar or the regular white vinegar. Mix again very well.
Add the sifted dry ingredients.
With a wired whisk and with light hand movements, stir and mix the wet and dry ingredients together. Tiny lumps are fine. Don't over do the mixing. Depending on the quality of wheat flour, you can add ¼ to ½ cup water to get a flowing consistency in the batter.
Then add the chopped apples.
Again with light hand movements in one or two round strokes, mix the apples with the rest of the batter.
Now spoon the batter in the muffin liners till ¾ of their capacity.
Sprinkle some cinnamon powder from top on all the muffins. If you have used sugar, then you can sprinkle some brown sugar from top.