Rinse pinto beans and soak in water for 8 hours or overnight.
Switch on the instant pot and select saute mode for 15 minutes.
Add cooking oil and heat it for 1-2 minutes.
Add cumin seeds and bay leaf. Saute for a few seconds i.e. until the spices become fragrant.
Add finely chopped onion and minced garlic. Cook until the onion starts turning brown.
Add chopped tomatoes, green chilies, red chili powder, cumin powder, coriander powder, turmeric powder, ground black pepper, and salt.
Mix everything and cook until the tomatoes are cooked well and turn mushy.
Drain the soaked beans and add to the instant pot.
Saute beans for 1-2 minutes.
Add 3 cups of hot water and mix.
Seal the lid of the instant pot. Cook on high pressure for 30 minutes.
Allow the pressure to get released naturally then open the lid.
Stir the bean curry.
Add garam masala, crushed kasoori methi, and chopped cilantro. Mix.