Heat oil in a skillet on medium heat. Add cumin seeds and let them sizzle a few seconds.
Add onion with a pinch of salt. Cook until soft and lightly golden, 6 to 8 minutes, stirring often.
Stir in garlic, ginger, and green chili. Cook 1 minute until fragrant.
Add coriander, turmeric, and Kashmiri chili. Stir 30 seconds.
Add paneer (or tofu). Cook 2 to 3 minutes so the crumbles pick up color.
Fold in quinoa (or rice), tomatoes, and peas. Simmer until thick and spoonable, 5 to 8 minutes. If it looks dry, add a splash of water.
Turn off heat. Stir in garam masala, yogurt if using, cilantro, and lemon juice. Taste and adjust salt.