well keran from pindi will take abt 6-7 hrs in ur own 4x4.... without major stops that is..........
in keran there is Govt rest house which requires prior booking... wahan aur b hotels hain but rush kafi hota hai tu booking pehlay karwa lena... i dont have contact numbers rite now ......
for ratti gali u must stay in dowarian. there is a govt rest house there as well...... from there its direct route to lake.
well if i remember correclty the jeep track took 2 hours till tarkhana village. then it was a 2 hour hike till lake.. but i went in 2012 and i think the trek is reduced now.. jeep track is further up... mayb 1.5 hrs kahe trek reh gia hai bs..........and its easy.........