These could be considered in due course. v.  The fifth issue that faces agencies is that of following a segmented approach vis-àvis a broad-based generalized one. It is clear that banks may have to adopt a segmented approach specific to different categories of borrowers and different credit segments. Similarly, in respect of urban and rural areas, different approaches would be required.
For instance, the centres in rural and semi urban areas could concentrate on financial literacy and counselling for farming communities and those engaged in allied activities. The centres in metro/urban areas could focus on individuals with overdues in credit cards, personal loans, housing loans, etc. Thus, the challenge is to tailor differential literacy and counselling mechanisms depending upon the need. vi.