- Preheat the oven at 175 C. Keep a 12 cup muffin pan ready, lined with paper liners or brushed with oil. 
- In a large bowl, combine all dry ingredients - flours, baking powder, baking soda, salt, cocoa powder. Mix using a dry whisk to break any lumps. 
- In a medium bowl, whisk mashed bananas, grated pumpkin, egg, oil, honey and 2 tablespoons of the milk until well combined. 
- Make a well in the dry ingredients and pour the wet ingredients. Stir gently until you get a smooth batter with no visible lumps of flour. Use extra 2 tablespoons of milk if needed. The batter should be thick and not runny. 
- Stir in most of the chocolate chips, reserving few for topping. 
- Divide the batter between the 12 muffin cups. Top with a sprinkle of chocolate chips and some oats. 
- Bake for 18-20 minutes, or until muffins are risen well and a tester comes out clean.