Heat the oil in your Instant Pot on Saute, Normal heat.
When it shimmers add the cinnamon, cloves, whole black pepper, and cardamom, saute for 30 seconds and when aromatic add the onions
Saute the onions stirring occasionally until the edges turn golden brown
Then add your ginger and garlic, saute for a minute
Now add the meat followed by the spices (salt, chili powder, chili flakes, garam masala, coriander powder, turmeric)
Saute stirring frequently until all the meat changes color
Now add a cup and a half of hot water, stir and set the instant pot on manual for 8 minutes OR add 2 cups of hot water and simmer on low for 30.
Quick release when done and check for tenderness, if your meat isn't as soft as you would like you can simmer it for a little longer otherwise turn on the saute mode to dry up the masala. For stove top, do the same.
When the oil rises to the top then turn the Instant Pot or stove off and gradually add your yogurt
The yogurt will cook in the residual heat, stir gently to combine, taste, adjust seasoning and serve.
Notes
Stove top instructions: Follow all the instructions as is until you get to the Instant Pot pressure part. Instead add two and a half cups of hot water, bring to a boil and simmer (covered) until tender then proceed with the remaining steps.