Rinse the dried chickpeas, place in a large bowl, and cover with water by 2 inches; soak 8β12 hours at room temperature.
Drain the chickpeas, place in a pot with the bay leaf, cover with fresh water by 2 inches, and bring to a boil over high heat; reduce to a gentle simmer and cook until the chickpeas are tender and easily smashed between fingers, 45β60 minutes.
Reserve 1 cup of the chickpea cooking liquid, then drain the rest and discard the bay leaf.
Heat the neutral oil in a wide pot over medium heat until shimmering, 1β2 minutes; add the cumin seeds and fry until fragrant and a shade darker, about 30 seconds.
Add the onion and cook, stirring often, until deep golden brown, 10β12 minutes.
Stir in the garlic, ginger, and green chili and cook until the raw aroma fades, 1β2 minutes.
Add the ground coriander, ground cumin, turmeric, and Kashmiri red chili powder; stir constantly to toast the spices, 30β60 seconds.
Add the tomatoes and salt; cook, stirring occasionally, until thick, glossy, and the oil separates at the edges, 8β10 minutes.
Add the cooked chickpeas and the reserved chickpea cooking liquid; bring to a simmer and cook until the gravy clings to the chickpeas and looks cohesive, 12β15 minutes.
Stir in the garam masala and lemon juice; simmer 1 minute, then turn off the heat and rest 2β3 minutes.
Serve hot, sprinkled with cilantro, with lemon wedges and cooked basmati rice alongside.