In a pan, add sugar, brown sugar/jaggery.
Heat on medium until it melts and turns golden-amber.
Slowly pour 3–4 tbsp warm milk into it to dissolve the caramel.
Add this caramel mixture into the warm milk and whisk well.
The milk will turn a beautiful light caramel color — exactly like Bengali mishti doi.
Add 3–4 tbsp yogurt into the warm caramel milk.
Whisk gently.
Pour into small clay pots/glass jars or the Instant Pot’s steel bowl.