
SUMIT WOODS Latest Share Price (SUMIT)
TODAY IN ONE LINE
SUMIT slipped 0.4% on above-average volume (32241.2x avg), in line with Nifty's -0.6% move.
With a market cap of ₹224.94 Cr., it trades at a P/E of 36.77. Track live valuations, technical indicators, and peers comparison below. Check delivery conviction and recent filings to build your view.
How good is this company?
Overall performance across 5 key dimensions.
SUMIT WOODS flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Strong Price MomentumRobust returns of 155.6% over 1Y
- ●Earnings GrowthEPS (TTM) grew by a solid 28.5% YoY
- ●Healthy Operating MarginsOPM is structurally strong at 22.2%
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
- ●Poor Capital ReturnsLow ROE of 5.3%
Latest SUMIT WOODS News
What changed recently?
Recent events, corporate actions, and announcements.
SUMIT WOODS valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for SUMIT WOODS, framed against the sector median so the premium or discount is obvious at a glance.
SUMIT WOODS trades at a P/E of 36.77× and P/B of 1.32×.
Market-priced ratios use the latest available quote; accounting metrics use the latest reported filing. Compare values with matched peers and the company's own history.
Valuation
Profitability
Growth
Financial Health
SUMIT WOODS technical analysis: indicators, pivots and CPR.
Latest RSI, MACD and moving-average signals plus the latest pivot and Central Pivot Range levels for SUMIT WOODS — derived from the latest tape, not yesterday's close.
SUMIT WOODS last traded at ₹47.4 with an intraday range of ₹46–₹49.8 — latest indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Last: ₹47.40| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 57.07 | +9.67 | +20.39% |
| R3 | 53.27 | +5.87 | +12.38% |
| R2 | 51.53 | +4.13 | +8.72% |
| R1 | 49.47 | +2.07 | +4.36% |
| PIVOT | 47.73 | 0.33 | 0.70% |
| CURRENT | 47.40 | — | — |
| S1 | 45.67 | -1.73 | -3.66% |
| S2 | 43.93 | -3.47 | -7.31% |
| S3 | 41.87 | -5.53 | -11.67% |
| S4 | 38.07 | -9.33 | -19.69% |
SUMIT is trading Below CPR, indicating Bearishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: ₹48.53–₹49.8
Trading Inside opening range
SUMIT WOODS financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for SUMIT WOODS — consolidated or standalone — with margins, YoY growth and key ratios inline.
SUMIT WOODS reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹224.94 Cr. and reported EPS of ₹0.85.
| Metric | Mar 2026 | May 2026 |
|---|---|---|
| Revenue from Operations | 95 | 95 ▲ 0.0% |
| Sales Growth YoY %Derived | -32.63% | — |
| Other Income | 4 | 4 ▲ 0.0% |
| Total Income | 99 | 99 ▲ 0.0% |
| -50 | -50 ▲ 0.0% | |
| Gross ProfitDerived | 145 | 145 ▲ 0.0% |
| Gross Margin %Derived | 152.43% | 152.43% |
| 128 | 128 ▲ 0.0% | |
| EBITDA (Operating Profit)Derived | 16 | 16 ▲ 0.0% |
| OPM %Derived | 17.36% | 17.36% |
| 10 | 10 ▲ 0.0% | |
| Profit Before Tax (PBT) | 10 | 10 ▲ 0.0% |
| 4 | 4 ▲ 0.0% | |
| Effective Tax %Derived | 39.68% | 39.68% |
| Total Profit for Period | 6 | 6 ▲ 0.0% |
| Less: Non-controlling Interests | -0 | -0 ▲ 0.0% |
| Net Profit (Owner's PAT)Derived | 6 | 6 ▲ 0.0% |
| Net Profit Margin %Derived | 6.38% | 6.38% |
| PAT Growth YoY %Derived | -47.08% | — |
| Earnings Per Share (EPS ₹) | 1.27 | 1.27 ▲ 0.0% |
| Diluted Shares Outstanding (Cr) | 5 | 5 ▲ 0.0% |
| Share of Profit from Associates/JVs | 0 | 0 ▲ 0.0% |
| Other Comprehensive Income (Net of Tax) | -0 | -0 ▲ 0.0% |
| Total Expenses (incl. D&A & Interest) | 89 | 89 ▲ 0.0% |
| Material Cost % of RevenueDerived | — | — |
| Employee Cost % of RevenueDerived | 15.35% | 15.35% |
| Other Cost % of RevenueDerived | 119.72% | 119.72% |
| Interest Coverage (x)Derived | 1.65x | 1.65x |
| Period | Mar 2020 | Jul 2020 | Mar 2021 | Jun 2021 | Mar 2022 | May 2022 | Mar 2023 | Apr 2023 | Mar 2024 | May 2024 | Mar 2025 | Apr 2025 | Mar 2026 | May 2026 | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | 49 | 49 ▲ 0.0% | 47 ▼ 3.4% | 47 ▲ 0.0% | 66 ▲ 40.5% | 66 ▲ 0.0% | 101 ▲ 53.5% | 101 ▲ 0.0% | 180 ▲ 77.9% | 180 ▲ 0.0% | 141 ▼ 22.0% | 141 ▲ 0.0% | 95 ▼ 32.6% | 95 ▲ 0.0% | |
| Sales Growth YoY %Derived | — | — | -3.43% | — | 40.47% | — | 53.52% | — | 77.90% | — | -21.96% | — | -32.63% | — | |
| Other Income | 1 | 1 ▲ 0.0% | 3 ▲ 135.9% | 3 ▲ 0.0% | 1 ▼ 73.5% | 1 ▲ 0.0% | 1 ▲ 86.1% | 1 ▲ 0.0% | 2 ▲ 37.8% | 2 ▲ 0.0% | 3 ▲ 59.6% | 3 ▲ 0.0% | 4 ▲ 16.6% | 4 ▲ 0.0% | |
| Total Income | 50 | 50 ▲ 0.0% | 50 ▲ 0.1% | 50 ▲ 0.0% | 67 ▲ 33.7% | 67 ▲ 0.0% | 103 ▲ 53.9% | 103 ▲ 0.0% | 182 ▲ 77.3% | 182 ▲ 0.0% | 144 ▼ 21.1% | 144 ▲ 0.0% | 99 ▼ 31.5% | 99 ▲ 0.0% | |
5 | 5 ▲ 0.0% | 36 ▲ 671.8% | 36 ▲ 0.0% | -41 ▼ 213.3% | -41 ▲ 0.0% | -41 ▼ 1.6% | -41 ▲ 0.0% | 31 ▲ 174.3% | 31 ▲ 0.0% | -31 ▼ 199.1% | -31 ▲ 0.0% | -50 ▼ 63.0% | -50 ▲ 0.0% | ||
| Gross ProfitDerived | 44 | 44 ▲ 0.0% | 11 ▼ 75.0% | 11 ▲ 0.0% | 107 ▲ 870.4% | 107 ▲ 0.0% | 143 ▲ 33.7% | 143 ▲ 0.0% | 150 ▲ 4.7% | 150 ▲ 0.0% | 171 ▲ 14.5% | 171 ▲ 0.0% | 145 ▼ 15.6% | 145 ▲ 0.0% | |
| Gross Margin %Derived | 90.42% | 90.42% | 23.42% | 23.42% | 161.77% | 161.77% | 140.87% | 140.87% | 82.93% | 82.93% | 121.67% | 121.67% | 152.43% | 152.43% | |
29 | 29 ▲ 0.0% | 23 ▼ 21.2% | 23 ▲ 0.0% | 101 ▲ 335.4% | 101 ▲ 0.0% | 119 ▲ 18.0% | 119 ▲ 0.0% | 121 ▲ 1.4% | 121 ▲ 0.0% | 148 ▲ 22.3% | 148 ▲ 0.0% | 128 ▼ 13.3% | 128 ▲ 0.0% | ||
| EBITDA (Operating Profit)Derived | 15 | 15 ▲ 0.0% | -12 ▼ 183.4% | -12 ▲ 0.0% | 6 ▲ 148.3% | 6 ▲ 0.0% | 24 ▲ 303.2% | 24 ▲ 0.0% | 29 ▲ 21.5% | 29 ▲ 0.0% | 24 ▼ 18.2% | 24 ▲ 0.0% | 16 ▼ 30.2% | 16 ▲ 0.0% | |
| OPM %Derived | 29.98% | 29.98% | -25.90% | -25.90% | 8.91% | 8.91% | 23.40% | 23.40% | 15.98% | 15.98% | 16.75% | 16.75% | 17.36% | 17.36% | |
7 | 7 ▲ 0.0% | 7 ▲ 3.9% | 7 ▲ 0.0% | 9 ▲ 15.6% | 9 ▲ 0.0% | 16 ▲ 86.5% | 16 ▲ 0.0% | 18 ▲ 11.3% | 18 ▲ 0.0% | 11 ▼ 37.8% | 11 ▲ 0.0% | 10 ▼ 6.6% | 10 ▲ 0.0% | ||
| Profit Before Tax (PBT) | 9 | 9 ▲ 0.0% | -17 ▼ 292.5% | -17 ▲ 0.0% | -2 ▲ 88.3% | -2 ▲ 0.0% | 9 ▲ 564.5% | 9 ▲ 0.0% | 13 ▲ 42.0% | 13 ▲ 0.0% | 16 ▲ 21.1% | 16 ▲ 0.0% | 10 ▼ 37.4% | 10 ▲ 0.0% | |
2 | 2 ▲ 0.0% | 5 ▲ 101.9% | 5 ▲ 0.0% | 1 ▼ 69.9% | 1 ▲ 0.0% | 2 ▲ 59.6% | 2 ▲ 0.0% | 2 ▲ 14.2% | 2 ▲ 0.0% | 4 ▲ 75.7% | 4 ▲ 0.0% | 4 ▼ 10.9% | 4 ▲ 0.0% | ||
| Effective Tax %Derived | 25.80% | 25.80% | -27.05% | -27.05% | -69.52% | -69.52% | 23.88% | 23.88% | 19.22% | 19.22% | 27.87% | 27.87% | 39.68% | 39.68% | |
| Total Profit for Period | 6 | 6 ▲ 0.0% | -24 ▼ 494.2% | -24 ▲ 0.0% | -5 ▲ 78.8% | -5 ▲ 0.0% | 7 ▲ 239.0% | 7 ▲ 0.0% | 10 ▲ 48.5% | 10 ▲ 0.0% | 11 ▲ 5.5% | 11 ▲ 0.0% | 6 ▼ 45.2% | 6 ▲ 0.0% | |
| Less: Non-controlling Interests | 3 | 3 ▲ 0.0% | -1 ▼ 137.5% | -1 ▲ 0.0% | -4 ▼ 246.6% | -4 ▲ 0.0% | -0 ▲ 97.0% | -0 ▲ 0.0% | 1 ▲ 1200.6% | 1 ▲ 0.0% | -1 ▼ 136.9% | -1 ▲ 0.0% | -0 ▲ 87.5% | -0 ▲ 0.0% | |
| Net Profit (Owner's PAT)Derived | 3 | 3 ▲ 0.0% | -22 ▼ 892.2% | -22 ▲ 0.0% | -1 ▲ 96.0% | -1 ▲ 0.0% | 7 ▲ 882.0% | 7 ▲ 0.0% | 9 ▲ 26.6% | 9 ▲ 0.0% | 11 ▲ 27.2% | 11 ▲ 0.0% | 6 ▼ 47.1% | 6 ▲ 0.0% | |
| Net Profit Margin %Derived | 5.82% | 5.82% | -47.72% | -47.72% | -1.38% | -1.38% | 7.00% | 7.00% | 4.98% | 4.98% | 8.13% | 8.13% | 6.38% | 6.38% | |
| PAT Growth YoY %Derived | — | — | -892.25% | — | 95.95% | — | 882.05% | — | 26.56% | — | 27.25% | — | -47.08% | — | |
| Earnings Per Share (EPS ₹) | 0.93 | 0.93 ▲ 0.0% | -7.34 ▼ 889.2% | -7.34 ▲ 0.0% | -0.30 ▲ 95.9% | -0.30 ▲ 0.0% | 2.50 ▲ 933.3% | 2.50 ▲ 0.0% | 2.94 ▲ 17.6% | 2.94 ▲ 0.0% | 2.53 ▼ 13.9% | 2.53 ▲ 0.0% | 1.27 ▼ 49.8% | 1.27 ▲ 0.0% | |
| Diluted Shares Outstanding (Cr) | 3 | 3 ▲ 0.0% | 3 ▲ 0.0% | 3 ▲ 0.0% | 3 ▲ 0.0% | 3 ▲ 0.0% | 3 ▲ 0.0% | 3 ▲ 0.0% | 3 ▲ 0.0% | 3 ▲ 0.0% | 5 ▲ 48.0% | 5 ▲ 0.0% | 5 ▲ 5.7% | 5 ▲ 0.0% | |
| Share of Profit from Associates/JVs | -0 | -0 ▲ 0.0% | -2 ▼ 450.4% | -2 ▲ 0.0% | -2 ▲ 29.7% | -2 ▲ 0.0% | 0 ▲ 103.3% | 0 ▲ 0.0% | -0 ▼ 226.6% | -0 ▲ 0.0% | -0 ▼ 386.7% | -0 ▲ 0.0% | 0 ▲ 124.3% | 0 ▲ 0.0% | |
| Other Comprehensive Income (Net of Tax) | 0 | 0 ▲ 0.0% | 0 ▼ 83.4% | 0 ▲ 0.0% | -0 ▼ 506.7% | -0 ▲ 0.0% | -0 ▼ 1886.9% | -0 ▲ 0.0% | -0 ▲ 64.6% | -0 ▲ 0.0% | 0 ▲ 275.2% | 0 ▲ 0.0% | -0 ▼ 147.6% | -0 ▲ 0.0% | |
| Total Expenses (incl. D&A & Interest) | 41 | 41 ▲ 0.0% | 67 ▲ 61.5% | 67 ▲ 0.0% | 69 ▲ 3.2% | 69 ▲ 0.0% | 94 ▲ 36.3% | 94 ▲ 0.0% | 170 ▲ 80.8% | 170 ▲ 0.0% | 128 ▼ 24.3% | 128 ▲ 0.0% | 89 ▼ 30.8% | 89 ▲ 0.0% | |
| Material Cost % of RevenueDerived | — | — | — | — | — | — | — | — | 6.67% | 6.67% | — | — | — | — | |
| Employee Cost % of RevenueDerived | 7.07% | 7.07% | 6.48% | 6.48% | 11.35% | 11.35% | 10.78% | 10.78% | 7.70% | 7.70% | 9.88% | 9.88% | 15.35% | 15.35% | |
| Other Cost % of RevenueDerived | 53.36% | 53.36% | 42.84% | 42.84% | 141.51% | 141.51% | 106.70% | 106.70% | 59.25% | 59.25% | 95.04% | 95.04% | 119.72% | 119.72% | |
| Interest Coverage (x)Derived | 2.14x | 2.14x | -1.86x | -1.86x | 0.66x | 0.66x | 1.50x | 1.50x | 1.63x | 1.63x | 2.18x | 2.18x | 1.65x | 1.65x |
SUMIT WOODS segment analysis : revenue and profit mix.
Disclosed business segments at SUMIT WOODS with their share of revenue and profit, switchable between consolidated and standalone reporting.
SUMIT WOODS discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
The Bull, Bear, and Flip case for SUMIT WOODS.
Our AI distills the core fundamental drivers supporting SUMIT WOODS, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
SUMIT WOODS's investment case rests on 0 positive markers and 1 flagged concerns drawn from the latest reported filings.
What you're getting.
No strengths or opportunities on record.
Key Risks.
SWOT generation temporarily unavailable due to model error. The security token included in the request is invalid.
Flip Conditions.
Valuation risk. a P/E above 48 would leave less room for earnings disappointment.
Reassess if quarterly profit growth turns negative for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.00. Balance sheet risk re-prices growth multiples fast.
Return-quality risk. ROE below 8% would indicate weaker capital compounding.
SUMIT WOODS peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — SUMIT WOODS is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
|---|
SUMIT WOODS chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for SUMIT WOODS — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
SUMIT WOODS delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for SUMIT WOODS over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in SUMIT WOODS stood at 84.3% of traded volume, against a 20-day average of 79.8%.
SUMIT WOODS announcements: results, concalls, ratings, M&A.
Filings SUMIT WOODS sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
SUMIT WOODS files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 87 documents below.
Trading Window
Sumit Woods Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
General Updates
Sumit Woods Limited has informed the Exchange about General Updates
Shareholders meeting
Sumit Woods Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on September 03, 2026. Further, the company…
Shareholders meeting
Proceedings of the 30th Annual General Meeting
General Updates
Sumit Woods Limited has informed the Exchange about General Updates
Investor decks & rating reports.
SUMIT WOODS dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue SUMIT WOODS has declared, sequenced by announce and record date.
SUMIT WOODS corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About SUMIT WOODS: business, sector, key facts.
What SUMIT WOODS does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
SUMIT WOODS operates in the Residential Commercial Projects industry under the Realty sector, listed as NSE: SUMIT.

Sumit Woods Limited is an Indian real estate development company established in 1997 and headquartered in Mumbai. The company's core business revolves around the creation and execution of diverse real estate projects across India.
The company's portfolio encompasses a wide range of developments, catering to various sectors of the real estate market. This diversified approach allows Sumit Woods to engage in projects aimed at both individual homebuyers and larger commercial or retail enterprises. Their residential projects offer housing options for a spectrum of needs and budgets, while their commercial developments provide spaces for businesses of varying sizes.
Sumit Woods also undertakes retail projects, developing spaces designed to attract and accommodate retail businesses, contributing to the growth and vibrancy of local communities. Furthermore, their commitment extends to the development of social infrastructure projects, which suggests an investment in community development and amenities, demonstrating a broader social responsibility alongside their commercial aims.
The company's long history in the Indian real estate market since its inception in 1997 provides a significant track record and suggests an understanding of the complexities and nuances of the Indian property landscape. This experience likely informs their project planning, development, and execution strategies, allowing for efficient and effective deployment of resources.
In summary, Sumit Woods Limited operates as a full-service real estate developer, offering a comprehensive portfolio of residential, commercial, retail, and social infrastructure projects within India. Their diversified business model and long-standing presence in the market position them as a key player in the Indian real estate sector.
Related
Peers, sector trends, screeners and strategy playbooks contextual to this stock.
- AGI INFRA (AGIIL) Share PricePeer
- ARIHANT FOUN & HOU (ARIHANT) Share PricePeer
- ART NIRMAN (ARTNIRMAN) Share PricePeer
- CONS CONST CONSORT (CCCL) Share PricePeer
- ELPRO INTERNATIONAL (ELPROINTL) Share PricePeer
- Top Gainers TodayScreener
- EMA Crossover ScreenerScreener
- Stock Quality ScorecardScreener
- Technical DashboardScreener
- Results CalendarScreener
- FII Buying ActivityScreener
- All Technical ScreenersScreener
- All Trading StrategiesStrategy
Questions investors ask about SUMIT WOODS (SUMIT).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of SUMIT WOODS (SUMIT)?
The current share price of SUMIT WOODS (SUMIT) is ₹47.40. Today, the stock has declined by ₹0.18 (0.38%), trading in a range of ₹46.00 to ₹49.80. The stock opened at ₹49.80 with a trading volume of 6,416 shares.
02Is SUMIT WOODS stock a good investment for long-term?
SUMIT WOODS can be considered for long-term investment based on several factors. The company has a market capitalization of ₹224.94 Cr., P/E ratio of 36.77, ROE of 5.26%, and ROCE of 5.55%. The dividend yield stands at 0%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of SUMIT WOODS stock?
The 52-week high price of SUMIT WOODS (SUMIT) is ₹96.49, while the 52-week low is ₹31.74. Currently trading at ₹47.40, the stock is 49.34% above its 52-week low and 50.88% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy SUMIT WOODS stock at the current price?
Whether to buy SUMIT WOODS stock at ₹47.40 depends on multiple factors. The stock is currently trading with a P/E ratio of 36.77 and P/B ratio of 1.32. Today's performance shows a loss of 0.38%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of SUMIT WOODS and when is the next dividend?
SUMIT WOODS offers a dividend yield of 0%, which means for every ₹100 invested at the current price of ₹47.40, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of SUMIT WOODS?
SUMIT WOODS's key financial metrics include: P/E Ratio: 36.77, P/B Ratio: 1.32, ROE: 5.26%, ROCE: 5.55%, Dividend Yield: 0%, EPS: ₹0.85, Book Value: ₹45.19, and Debt-to-Equity: 0.48. The company's market cap stands at ₹224.94 Cr.. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is SUMIT WOODS stock performing today in the market?
SUMIT WOODS stock opened at ₹49.80 and is currently trading at ₹47.40, showing a decline of ₹0.18 (0.38%). The intraday high is ₹49.80 and low is ₹46.00. The trading volume stands at 6,416 shares, indicating moderate market participation today.
08What is the P/E ratio of SUMIT WOODS and what does it indicate?
SUMIT WOODS has a Price-to-Earnings (P/E) ratio of 36.77, which means investors are willing to pay 36.77 for every ₹1 of earnings. With an EPS of ₹0.85, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about SUMIT WOODS (SUMIT) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.