01 - Preheat oven to 350°F. Line a 12-cup muffin tin with paper liners or lightly grease each cup.
02 - In a large mixing bowl, whisk together pumpkin puree, mashed banana, eggs, vegetable oil, milk, and vanilla extract until smooth and well blended.
03 - In a separate bowl, stir together all-purpose flour, granulated sugar, brown sugar, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger until evenly combined.
04 - Gently fold the dry ingredients into the wet mixture just until combined. Avoid overmixing to ensure a tender crumb.
05 - Fold in chopped nuts or chocolate chips if desired.
06 - Divide batter evenly among muffin tin cavities, filling each about three-quarters full.
07 - Bake for 20–22 minutes, or until a toothpick inserted into the center of a muffin comes out clean.
08 - Let muffins cool in the tin for 5 minutes, then transfer to a wire rack to cool fully before serving.