Rinse and soak chickpeas for 4 hours or overnight, then drain.
In an Instant Pot on Sauté (High), heat ghee or oil. Add cumin seeds, then finely diced onion, and cook until golden.
Stir in grated ginger, minced garlic, tomato purée, ground coriander, kosher salt, chili powder, and turmeric.
Add chickpeas and 1½ cups water (use ½ cup of water if using canned chickpeas). Cook for 30 minutes (soaked chickpeas) or 5 minutes (canned chickpeas).
Let pressure release naturally. Stir in garam masala, kasoori methi, and cilantro.
Mash a few chickpeas to thicken the chole naturally until it is thick and saucy.
Crisp up the samosas according to package instructions or by frying/baking.
Assemble the chaat by layering crispy samosas with chana masala and your favorite toppings.