If below config will work?
access-list 1 deny 10.20.28.0 0.0.0.255 194.186.3.0 0.0.0.255
access-list 1 permit 10.20.28.0 0.0.0.255 any
!
access-list 2 deny 194.186.3.0 0.0.0.255 10.20.28.0 0.0.0.255
access-list 2 permit 194.186.3.0 0.0.0.255 any
!
interface Serial1.1
ip policy route-map Moscow
!
interface Serial1.2
ip policy route-map Moscow
!
route-map Moscow permit 10
match ip address 1
set ip next-hop 10.100.102.93
!
route-map Moscow permit 20
match ip address 2
set ip next-hop 10.100.102.89
!
ip local policy route-map Moscow