Take rice flour in a bowl..Add in salt,sugar and mix well.
Gradually sprinkle in the water and rub with your fingers till it form coarse crumbs…It should be slightly wet.
Now take a puttu kolal,first add some coconut,then add the flour mixture, banana and again coconut and continue till top like this.
Place this in the steamer or the vessel where we will put this puttu kolal..and cook for 10 min.Now slowly remove it by pushing the puttu kolal with a spoon from the bottom.