In a deep bottomed pot heat oil and add the bay leaf along with the cardamom,cinnamon,cloves,peppercorns and saute for about a minute.
Add the onions and saute for about 3-4 minutes until slightly golden.
Add the garlic and ginger and saute for about 2 minutes.
Add the tomato and the ground spices.Cook on medium for about 4-5 minutes until you see oil separating at the sides.
Add the rice, water and saffron.Adjust the seasonings.Bring to a boil on high.Cover and cook on low heat.After 10 minutes add the Tilapia fillets.
Cover and cook until the rice is done (about 10 minutes).
Serve hot with a salad and raita!