Powder the Oats and keep aside. Mash bananas using a fork and keep aside.
In a mixing bowl combine powdered Oats, flour, baking soda, salt, mashed banana, honey and choco chips.
Now add milk gradually and mix well until the batter reaches a pouring consistency.
Heat a non stick frying pan. Grease the pan with butter or oil (refer notes), pour a ladle of batter, spread if required. Cook on low - medium flame. Cook the pancakes for a min or so and flip them over and cook for another min.
Serve hot with honey / maple syrup / butter / cream / chocolate sauce
Notes
Replace milk with soy milk to make it a dairy free pancake. Try with glutinous rice flour / regular fine rice flour in place of all purpose flour for an healthier option. Also if you dont mind using eggs, you can use 2 eggs in place of milk. I got 12 medium size pancake with the above qty. You can also use cinnamon powder (1/2 tsp) instead of choco chips. Also you can use a combination of cinnamon chips and choco chips.Though it tastes better on the same day, you can refrigerate the leftover for 2 days. Microwave for 30 seconds before serving. I didn't grease the pan with oil or butter for frying the pancakes. If your pancakes are sticking to the pan, it's better to grease the pan.