Heat the vegetable oil in a large skillet or pot over medium heat. Add half of the chopped red onion and sauté until softened and lightly golden, about 5 minutes.
Stir in the ginger-garlic paste and cook for 1 minute until fragrant. Add half of the chopped tomatoes and the finely chopped green bell pepper, cooking until the tomatoes break down slightly.
Add the chaat masala, garam masala, cumin powder, red chili powder, and turmeric powder. Sauté the spices for 1 minute to release their natural oils.
Pour in the drained chickpeas and water. Bring the mixture to a gentle simmer, cover, and let it cook for 10 minutes to allow the chickpeas to absorb the spices, creating a thick stew.
Remove the skillet from the heat. Stir in the lemon juice and half of the chopped fresh cilantro. Allow the curried chana masala to cool slightly.
To serve, portion the warm chana masala into individual bowls. Top each serving with the remaining fresh red onions, tomatoes, and cilantro.
Drizzle the whisked yogurt, tamarind chutney, and green chutney generously over the top of each bowl.
Finish by sprinkling the crushed sev or papdi immediately before serving to maintain maximum crunch.