Heat the oil in a medium saucepan over medium heat. Add the onions and cook until softened, at least 5 minutes.
Add the red chiles, bell peppers, garlic, curry powder, mixed herbs and carrots, and cook for another 3 to 5 minutes.
Add the beans, tomatoes, chutney, ketchup and a generous pinch of salt and pepper. Bring to a simmer and cook for 30 minutes.