Heat ghee in a pan over medium flame.
When warm, place the rusk slices and fry on both sides until golden color. Remove them onto a plate.
Add 1 tbsp ghee and add the dry fruits of your choice. Fry stirring frequently until they turn golden brown. Remove them onto a bowl.
In the same pan, add water, milk, and sugar to the pan. Stir and cook until the sugar is dissolved. Reduce the flame to low and cook for 5 minutes.
Add the rusk slices. Mix and mash the rusk slices until they start to become soft, with a few crispy crunchy pieces around. . Cook until the rusk absorbs all the liquid and comes together.
Add half of the fried dry fruits and mix well.
Add 1 tablespoon ghee and give a good mix.
Continue to cook for 2-3 minutes on low flame until it gets to a halwa stage. .
Bread Halwa is ready. Garnish with fried dry fruits before serving.