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In India, it is not just the rural-urban divide that is striking in consumer markets, but also the diverse income segments within the urban centres. Income-wise segments can be created in many ways, the Indicus Urban Consumer Expenditure Spectrum takes five cuts – households earning less than Rs. 1.5 lakh per annum, between Rs. 1.5 lakh and Rs. 3 lakh, between Rs. 3 lakh and Rs. 5 lakh, between Rs. 5 lakh and Rs. 10 lakh and finally, households earning more than Rs. 10 lakh per annum. The top-end of urban consumers, that is the households earning more than Rs. ten lakhs per annum is a small segment, comprising around 5% of all urban households in India and around 6% of urban population. Yet despite being a small group, this segment contributes to a third of total urban consumer expenditure, making it one of the most sought after markets in India. This segment also constitutes close to half of the total urban household savings, with the highest disposable income and earning opportunities.