In a bowl, combine 125 g rice flour, 0.3 g salt, and 125 g coconut water until the mixture becomes evenly moist yet crumbly.
Begin filling the puttu cylinder with 3 spoonfuls of 40 g fresh coconut, grated, followed by a portion of the rice mixture, pressing down firmly; repeat alternating layers until both ingredients are used up.
Fit the lid onto the cylinder and steam over the puttu maker base for 7 minutes.
Turn the steamed cylinder out onto a platter, break apart at the coconut dividing lines, and serve with bananas and granulated sugar to taste.
Use 50% to 60% of the weight, soaked in equal parts warm water for 15 minutes before grinding. Works well for chutneys, though texture is slightly finer and sweeter.
Use 1.2 times the weight in curries. Adds creamy richness and authentic flavour, but makes gravies smoother and eliminates the grated, chewy mouthfeel.