Preheat oven to 350℉ (180℃). Lightly grease a 9×13-inch baking dish or use a 10-inch oven-proof cast iron skillet.
In a medium bowl, mix milk with the bread to soften it. Set aside.
Heat a large saucepan or skillet over medium, then add butter to melt it. When the butter melts, saute the onions and garlic for about 3 minutes, just until soft and fragrant.
Next, stir in the spices: curry powder, turmeric, ground cumin, coriander, and dried herbs.
Add ground beef and herbs, stirring constantly to break it up, cooking until the meat is no longer pink. Remove from the stove.
Add it to a bowl with the bread mixture, then stir in the chutney, grated apple, lemon juice and zest, Worcestershire, and raisins (if desired). Season to taste with salt and pepper.
Pour the beef mixture into the greased baking dish or 10-inch cast iron pan. Press the beef mixture down with the back of a spoon so the egg mixture stays afloat, forming a nice custardy top when baked.
Bake at 350℉ (180℃) for around 40-50 minutes.
While the bobotie is baking, mix eggs, cream, milk, and a ¼ teaspoon of turmeric.
Then, take the meat out of the oven and pour the egg mixture over the meat.
Arrange the bay leaves on top of it. Return to the oven and bake for another 20 minutes (start checking after 15 minutes ) or until the egg mixture sets.
Remove from the oven and let it rest for a few minutes, then serve with yellow rice and vegetables.