Place heavy bottom pot on the stove on medium high flame.
Once the pot is hot, add oil and cumin seeds. Let them splutter.
Now add the diced onions, minced garlic and diced jalapeños. Sauté them until onion becomes transparent. Deglaze the pan with splashes of water if needed.
Next add in the bell peppers. Add salt, red chili powder, dhanajeeru and taco seasoning. Mix everything well.
Once the oil starts to separate, add in your refried beans.
Mix them well.
Now add cream cheese, salsa and mexican cheese. give everything a good mix. Turn off the stove once the cheese melts.