In a large bowl, stir the warm water (110Β°F) and granulated sugar, sprinkle in the instant yeast, and let sit until foamy, 5β10 minutes.
Whisk in the plain whole-milk yogurt and whole milk until smooth.
Add the all-purpose flour and fine salt; mix until a shaggy dough forms, then knead until smooth and slightly tacky, 8β10 minutes.
Rub the neutral oil around the inside of the bowl and over the dough to coat. Cover and let rise in a warm place until doubled in size, 60β90 minutes.
Turn the dough onto a work surface, divide into 8 equal pieces, and shape each into a tight ball. Cover and rest 10 minutes.
Set a heavy cast-iron skillet over medium-high heat until very hot, about 5 minutes. Position an oven rack 6 inches from the broiler and preheat the broiler (optional for extra charring).
Working with one ball at a time, pat and stretch into a teardrop or oval 7β8 inches long and about 1/4 inch thick. Lightly brush one side with a little of the water for brushing.
Lay the dough in the hot skillet, brushed side down, and cover. Cook until bubbles rise and the underside has deep brown spots, 45β60 seconds. Flip and cook uncovered until the second side is browned in spots, 30β60 seconds. For extra char, slide the skillet under the broiler just to blister the top, 15β45 seconds, watching closely.
Transfer the naan to a towel-lined plate and immediately brush all over with the melted ghee. Repeat with remaining dough, keeping cooked naan covered so it stays soft. Serve warm.