In a mixing bowl, whisk the yogurt until smooth and creamy.
Mix in the chopped cucumber, tomato, red onion, and any additional veggies you'd like to use. Stir gently to combine.
Add salt, pepper, ground cumin, and chaat masala (if using). Stir again to incorporate the flavors evenly.
Sprinkle chopped cilantro, mint, and finely chopped green chili on top. Let the raita rest in the fridge for at least 30 minutes, allowing the flavors to meld. Serve cold with your favorite spicy dishes!
