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Heat milk with cinnamon, cloves, jaggery and nutmeg.
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If using cocoa powder then add it now and let it come to a boil.
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Once it comes to a boil, add ginger (or ginger powder) and switch off the gas.
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If using cocoa powder, your ginger hot chocolate is ready to pour in the mugs after sieving it. Follow the rest of the steps if using chopped chocolate.
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In a big bowl or mug, add chopped chocolate.
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Add sieved milk over the chocolate.
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Mix until the chocolate melts and mixes with the milk.
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Pour hot chocolate and serve hot.