Step #1
First start the tutorial by drawing two circles & shape for the upper body.
Step #2
Draw outline for arms, hands, legs & feet.
Step #3
Make eyes, lips, lower face & nose.
Step #4
Make hairs.
Step #5
Make bangles, hands, fingers & arms.
Step #6
Draw outline for body.
Step #7
Make shoes & legs.
Step #8
Make various designs over the knees and over the upperbody as shown.
Step #9
Finally, make necessary improvements to finish.