Steps
1. In a mixing bowl, add the plain yogurt and whisk it until smooth.
2. Add the finely chopped cucumber, tomato, and grated carrot to the yogurt.
3. Stir in the chopped cilantro, cumin powder, salt, and black pepper.
4. Mix everything well until all ingredients are combined.
5. Taste and adjust seasoning if necessary.
6. Refrigerate for about 15 minutes to allow flavors to meld before serving.