Sift the oats flour, wheat flour, salt, baking powder, baking soda, cumin and black pepper. Keep aside.
In a bowl, mix together the curd, oil and ginger till well combined.
Add the dry ingredients to the wet mixture and mix to make a homogeneous mixture.
Add the carrots and capsicum. Stir it through, followed by the milk. Mix everything well.
Pour the mixture into baking moulds which have been greased with oil and properly dusted with flour.
Bake for 15-20 minutes in a preheated oven at 180 degrees Celsius.