Welcome to HCM
Read your prob, you should do work out at morning hrs then it helps you a lot, n you get desire effact early. if you do work out at eve hrs then you should get you dinner after 2 hrs of work out. you should take sweets or desert onces a wk as it contain more calories. banana with milk is not cause of fat accumulation , banana contain carbohydrate
n calcium, if you want to be fat free then avoid it. curd should not take at night as it has more protine contain which cant be easily diagestable at night.