Transfer the cooked beans to a strainer. After all the water is separated, transfer the beans to a mixing bowl.
Mash it using a masher.
Add chopped capsicum, carrots, green chillies, coriander leaves, salt, red chilli powder, cumin powder and chaat masala/pani puri masala.
Add bread crumbs and mix well with a spoon.
Then mix well with your hand and knead it like a dough.
Now, take portions of this mixture. Round and flatten them like a cutlet.
This way, make all the cutlets.
Heat a nonstick pan. Brush oil on its surface. Place the cutlets on the pan and fry them on medium heat.
Since nothing in the cutlet mixture requires 'cooking', your purpose is only to brown the cutlet and make it crispy.
On medium heat, continue frying the cutlets, flip them, brush oil on the surface and fry them on the other side.
Once all the cutlets are done, you can serve them as is, with any chutney, or sandwich them in a burger.