In large pot, heat oil over medium heat. Add onion and bell pepper and cook, stirring often, until soft.
Add tomato and cook, stirring occasionally, until soft and juicy, about 2 minutes. Stir in cumin, coriander and ginger, and mix well. Add stock, lentils, black beans, chickpeas and cilantro and simmer, covered, for 5 to 10 minutes. Season with salt and pepper. Serve hot over rice and garnish with cilantro.