Buttermilk is a chemical reaction with baking soda that makes pancakes soft and thick. Allow the batter to rest for 10 minutes to cause each pancake to puff up well on the pan.
Gently fold the chips into the batter just before frying. This prevents them from sinking to the bottom or melting prematurely. Use dark or milk chocolate depending on your mood
Heat your tawa or nonstick pan on medium, then reduce the heat. Pour the batter and flip only when bubbles appear, and the edges are set. No pressing down let them rise.
When pancakes are removed from the pan and still warm, press a handful of Gems on top. They will soften only slightly without melting, infusing color and texture.
For goodness' sake, avoid syrup excess. Lightly drizzle honey or maple to balance sweetness and allow Gems and chocolate chips to be stars.