In a bowl, mix the flour, gram flour and rice flour with curd and mix well.
You need to get a gooey mixture which is neither too thick not thin.
The mixture will be slightly sticky and when you lift the mixture with your hand, the batter will fall slowly but as a blob.
If needed, you may add water to get the right consistency.
Cover and keep aside for 5 hours.
If you like biting into the ginger, etc you may use the finely chopped ones.
If not, grind them into a coarse paste.
Add this mixture along with salt, sugar and baking soda, to the flour mixture and mix well.
Heat oil in a pan.
Drop in spoonfuls of the batter into the hot oil.
Cook till the goli bake turns golden brown all over.
Serve hot with coconut chutney and eat it plain.