Chettinad Payasam is a rich and creamy South Indian dessert made with rice, milk, sugar, and flavored with cardamom and saffron. The rice is cooked in milk until it becomes soft and creamy, and then sweetened with sugar. The payasam is garnished with roasted nuts and raisins, adding a crunchy texture to the creamy dessert. It is often served as a special treat during festivals and celebrations.