Grate the carrot and apple. Sift the flour, add the nutmeg, baking soda and baking powder.
In a separate bowl add the bran, sugar, essence and milk. Then add the grated carrot and apple. Mix thoroughly.
Add the egg and raisins then the oil. Lastly, fold in the flour and nutmeg. Pour the mixture into your favourite baking pan and bake at 300 degrees F for 30 minutes.