Warm the kefir and water in a small bowl by microwaving for about 30 seconds until warm but not hot.

In a large mixing bowl, beat the egg, salt, and sugar until well blended. Stir in the warmed kefir mixture.

Gradually mix in the all-purpose flour until smooth. Adjust with more flour if the batter feels too thin.

Gently fold in the baking soda and diced apples into the batter.

Preheat 2 tablespoons of neutral oil in a non-stick skillet over medium heat until shimmering.

Drop spoonfuls of the batter into the skillet, cook for 2-3 minutes until golden brown, then flip and cook for another minute.

Transfer cooked pancakes to a plate and repeat the cooking process with remaining batter.

Serve warm, topped with jam, honey, or sour cream for extra flavor.