Heat ghee in a non stick wok. Add cumin seeds. Once the seeds crackle, add the bay leaf and cloves. Fry the spices for few seconds.
Add finely chopped garlic and ginger and stir fry til the raw smell goes.
Now add the onion slices and stir fry for 1-2 minutes or until the onions turn translucent.
Add chopped colored bell peppers and stir fry on high flame. Cook while stirring for 2-3 minutes more. Add salt and mix.
Once the bell peppers turn little soft, add cooked rice and toss well.
Stir fry for another 1 minute or so and cook for 1-2 minutes. Put off the gas and season the rice with freshly crushed black pepper. Serve warm.