1: In a pan, bring water to boil. Place a bowl over it.
2: Add milk, sugar, cocoa powder, and chocolate and mix till it all combines evenly into a smooth mixture.
3: Add cornstarch for it to thicken and mix well till it is a thick and smooth mixture.
4: In a bowl/mould, layer the biscuits and chocolate alternatively.
5: Top it off with crumbled biscuits and any sliced fruit of your choice.
6: Refrigerate it for 2 hours to let it set well.
7: Cut and serve it cold.
