Steps:

1. Break the rusk into small pieces and keep aside.
2. Mix custard powder with a little cold milk to make a smooth paste.
3. Heat the remaining milk with sugar and add the custard mixture.
4. Cook on low heat while stirring until the custard thickens. Let it cool.
5. Add a layer of rusk pieces to a serving glass or dish.
6. Add a layer of cooled custard, followed by chopped fruits.
7. Add a layer of whipped cream and repeat the layers.
8. Garnish with fresh fruits and chopped nuts.
9. Refrigerate for at least 1 hour before serving.