According to the NCERT text, the 'test tube baby' programme involves In Vitro Fertilisation (IVF), which is fertilisation outside the body in simulated conditions. The zygote or early embryo is then transferred into the female genital tract (ZIFT or IUT) to complete its further development within the body (in-vivo). Therefore, fertilization is in-vitro, while the subsequent embryo development happens in-vivo.