Wash and soak the rice in little water for 30 minutes.
Drain out the water.
Grind the rice into a coarse powder in a food processor. If you're using a food blender then add some of the measured milk and grind it.
Heat milk in a wide pan over medium heat.
When it becomes hot, add the coarse rice powder/rice milk mixture.
Stir the mixture often so that it does not stick to the bottom.
Let it come to a boil. Add the condensed milk.
Let the mixture cook, stir it often and keep on scrapping the cream that develops on the side. Put it back into the mixture.
Cook till the rice is done and the mixture has become thick. This will take about 20-25 minutes.
Take the pan off the heat. Add cardamom powder and mix well.
Add both the milk and dark chocolate and stir till it melts in the phirni.
Let the phirni cool down a bit, mix occasionally so that a cream layer does not form on top.
Spoon the chocolate phirni into small bowls, glasses or clay pots.
Put in the fridge for it to set. I prefer to leave it overnight. You could leave it in the fridge for 5-6 hours.
Serve it chilled topped with your favourite topping.