Heat 3 tablespoons coconut oil in a pan.
Keep heat to low, add the black mustard seeds and let them crackle.
When the mustard seeds crackle, then add cumin seeds. Let cumin seeds splutter.
Now add the cinnamon sticks, green cardamoms, cloves and dry red chili. Fry for 1 to 2 seconds till the spices are fragrant. The frying of the spices should be done on low heat.
Add the sliced pearl onions or shallots or onions. Give a stir.
Add curry leaves, 1 teaspoon chopped ginger and 1 teaspoon chopped garlic.
Also add chopped fresh coconut and mix well.
Next add black pepper, slightly crushed.
Mix and sauté till the onions become translucent.
Now add chopped tomatoes and slit green chilies. Mix well.
Add turmeric powder, red chili powder, coriander powder and garam masala powder (optional).
Mix again and begin to sauté tomatoes on a low to medium heat till the tomatoes soften and look mushy.When sautéing the tomatoes, you can add a few tablespoons of water if the tomato mixture dries up or starts sticking to the pan. Add 1.5 cups water or add as required depending on the consistency preferred.
Add the cooked black eyed peas.
Season with salt as per taste, mix again.
On a low to medium-low heat, simmer the curry for 10 to 12 minutes till the gravy thickens. With a spoon, mash some beans to thicken the gravy.
Once the Black Eyed Beans Curry is done, then switch off the heat and add 3 to 4 curry leaves.Also drizzle 1 teaspoon coconut oil. Stir and cover the pan. Let the flavors infuse for 4 to 5 minutes. Serve Kerala style Black Eyed Peas Curry with steamed rice, roti, paratha or naan or soft dosas. You can garnish the curry with coriander leaves if you like.