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Preheat the oven to 375 degrees.In a small bowl, mix the cream cheese and thecha until smooth and set aside.In a medium bowl, combine the paneer, chaat masala, pav bhaj masala, salt, bell peppers and freshly ground pepper. Stir to mix the spices evenly.In a small bowl, mix the red onion, cilantro, serrano pepper, and achar masala and set aside.To assemble the pizzas, lightly brush both sides of the naan with oil or spray them, and place them on the prepared racks or pan. Bake for 5-8 minutes until warm and slightly crisp. (use a timer so they don't burn)Spread about 1 tablespoon of the cream cheese mixture on the top of each naan after it’s just slightly cooled. Then top with about 1/4 cup of tomato sauce, handful of cheese, 1/3 cup of paneer mixture, and another handful of cheese. Place in the oven.Bake for 6-8 minutes or until the cheese is melted and the bread is crisp. Remove from the oven and top with a generous spoonful of onion-serrano mixture on top , and serve.