After 18 to 20 minutes of the milk simmering, add the sugar and stir.
Let the sugar dissolve and after 3 to 4 mins, add the rice flour paste or cornstarch paste.
Keep on stirring after adding the paste, so that no lumps are formed.
The whole mixture has to be lump free, so keep on stirring.
After 4 to 5 mins, when the mixture has thickened, add the khoya (mawa), powdered almonds and pistachios together with the cardamom powder.
Stir very well and just simmer for a minute or two on a low heat. Keep on stirring so that the khoya (mawa) is distributed evenly.
Switch off the heat.
Add rose water or kewra water and crushed saffron. Do a taste test of the mixture and add more sugar if needed.
Let the mixture cool at room temperature.
Then pour the mixture in kulfi moulds or in serving bowls or small glasses or in popsicle moulds.
Freeze the kulfi overnight or for a day. Once the kulfi is well set and frozen, remove it by sliding a butter knife at the edges.
Remove on a glass plate or wooden tray. Slice the kulfi and serve immediately. If frozen in a popsicle mold or tray serve as kulfi popsicles.