Stir together flour, yogurt, chiles, ginger, curry leaves (if desired), cilantro, and 3/4 teaspoon salt. Stir in 2 to 2 1/2 cups warm water until batter has consistency of heavy cream. Cover; let stand 1 hour.
Heat a large nonstick skillet over medium- high heat. Oil surface. Pour in about 1 cup batter, swirling to cover bottom of pan. Cook, flipping once, until golden brown, 3 to 4 minutes per side; season with salt. Repeat with remaining batter. Fold into thirds lengthwise; transfer to serving plates. Serve with chutney.