In India, it is not just the rural-urban divide that is striking in consumer markets, butalso the diverse income segments within the urban centres. Income-wise segmentscan be created in many ways, the IndicusUrban Consumer Expenditure Spectrumtakes five cuts –households earning less than Rs. 1.5 lakhper annum, between Rs.1.5 lakhand Rs. 3 lakh, between Rs. 3 lakhand Rs. 5 lakh, between Rs. 5 lakhandRs. 10 lakhand finally, households earning more than Rs. 10 lakhper annum. Thetop-end of urban consumers, that is the households earning more thanRs. ten lakhsper annum is a small segment, comprising around 5% of all urban households inIndia and around 6% of urban population. Yet despite being a small group, thissegment contributes to a third of total urban consumer expenditure, making it one ofthe most sought after markets in India. This segment also constitutes close to half ofthe total urban household savings, with the highest disposable income and earningopportunities.