Heat a pan to medium heat and add oil to it. Once hot add, broken urad dal, channa dal, whole black pepper and dry red chillies.
Sauté for a few seconds or until the dal is begins to toast, add in onions and sauté for a few mins until they are translucent.
Next add in tomatoes and chopped carrots. Add salt as required and cover and cook until the carrot is softened a little (feels like steamed carrots)
Finally add grated coconut and turn off the flame.
Grind to a smooth chutney with water and salt if required.
Serve with dosa