Sieve the dry ingredients twice over (listed above) except jaggery.
Mix the ground flax meal in the warm water and keep aside for 15-20 mins till it appears gooey / frothy
Pre heat oven to 180 C. Grease and line a loaf pan ( I used a 9 X5 pan)
In another bowl, add the jaggery, milk and oil and mix well till jaggery dissolves.
Add the vanilla extract and the mashed banana puree.
Add half the Choco chips (if using) and mix well for a homogeneous mixture.
Fold half the dry ingredients into the wet mixture at a time.
Gentle fold the rest of the dry ingredients to a pouring consistency.
If the mixture is too dry even after this, use the warm water, a tsp at a time to ensure a batter free of dry flour
Add this batter to a lined pan
Top with rest of the Choco chips and walnuts
Bake at 180 C for 35-40 min or till a skewer comes clean.
Cool on a wire rack and slice when warm.