Heat oil in a saute pan; add the onions and cook until lightly browned around the edges, about 5 minutes.
Add ginger + garlic paste and cook for another minute. Turn off the heat and set aside to cool slightly.
In a large mixing bowl, combine the refried beans, chickpea flour, oat flour,bread crumbs, chole masala, red chili powder and salt. Mix well.
Add the onion mixture and mix well to form a mixture that holds together when squeezed. If the mixture is too wet, add more oat flour or bread crumbs to absorb the moisture.
Divide the mixture into 6 equal size patties, about ⅓ cup each.
Heat 2tbsp oil in a non-stick pan on medium heat, gently place the burgers and cook them undisturbed for about 3~4 minutes lightly browned on the bottom. Flip and cook on the other side until golden brown crust forms on both the sides.
Enjoy on your favorite bun with your favorite burger accouterments.