Pramaan by Intertwine · For banks, NBFCs and co-operative banks
Get every branch officer sales-ready before RBI's new sales-conduct directions take effect
RBI issued final directions on advertising, marketing and sale of financial products on June 15, 2026, effective January 1, 2027 (RBI press release). Pramaan, an AI sales readiness platform, turns your approved product documents into training, a scored readiness check and a cited assistant for the desk. It helps frontline teams stay within approved product information and supports your suitability-first sales process.
10 to 20 officers. One product. Synthetic data, no customer PII.
The problem
Your products are documented. Your officers are not always ready.
Knowledge lives in the wrong places
Product rules sit in circulars, rate sheets and a trainer's memory. When a circular changes, the desk finds out late and unevenly.
Classroom training lags launches
A session runs once, often months after a product goes live. New officers wait for the next batch while customers are already walking in.
No readiness signal before the conversation
Course completion does not tell a manager whether an officer can explain a product and handle an objection. You find out from the customer.
How it works
From a product pack to a ready officer.
- 01
Upload the product pack
Product PDFs, circulars, sales guides and FAQs. This is the only material the system answers from.
- 02
A learning module is generated
Lessons cover the product, the right customer, need discovery, positioning, process and objections.
- 03
Officers take a scored assessment
Scores separate what an officer knows, what they understand, and whether they can apply it.
- 04
A live assistant answers with citations
At the desk, the officer asks a question and gets an answer drawn from your approved documents, with the source shown.
- 05
Managers see readiness
A dashboard shows scores, knowledge gaps and assistant usage for each officer. Branch-level views are part of the pilot build.
Guardrails
The assistant coaches. It does not decide, sanction or invent.
Your compliance team decides what is approved. The assistant works from that material and nothing else.
Where your data lives
Hosting: Chosen based on your location
Multi-tenant data isolation and audit logging. How we handle data
- Answers come from retrieval over your approved documents, not from the model's general knowledge, and they cite the source.
- It does not fabricate an interest rate, eligibility rule, price, waiver, or regulatory requirement.
- If the answer is not in the knowledge base, it says so instead of guessing.
- If source material conflicts, it flags the ambiguity rather than picking a side silently.
- It can recommend questions and next steps. It cannot approve, sanction, or decline. That stays with your officer.
- A pilot can run on synthetic product data. Real customer PII is not required to prove the concept.
The pilot
Ten to twenty officers. One product. Four to six weeks.
We measure product-knowledge scores before and after, what officers ask the assistant, and feedback from officers and managers.
Fixed-fee pilot. Scope and fee are agreed in writing before the pilot starts.
- Who
- 10 to 20 frontline officers
- Scope
- One flagship product
- Duration
- 4 to 6 weeks
- Data
- Synthetic product data. No customer PII required.
- At the end
- An adoption report and a clear view of what to expand
Live now vs. building for the pilot
What works today, and what we are still building.
Proven end to end
- Knowledge base and grounded retrieval from PDF, DOCX, or a website
- Learning module generator with lesson summaries, takeaways, and a graded assessment
- Assessment engine: knowledge, understanding, and application scoring
- AI sales assistant with citations
- Manager dashboard for scores, gaps, and usage
- Multi-tenant data isolation and audit logging
Being built for the pilot, not live yet
- AI roleplay: a simulated customer raises 3 to 5 real objections
- Six-skill coaching scorecard: discovery, product knowledge, value, objections, compliance, closing
- Meeting prep and meeting summary inside the assistant
- Branch hierarchy and branch-scoped manager views
- Role names and taxonomy that match how your institution actually organizes sales
Who is behind it
Built by founders and advisors with systems and finance experience.
Your pilot is scoped and built by the founders, with advisors who bring banking and financial-systems experience.
Vineet Sagar
Founder & CEO
IIT Bombay alumnus with over two decades of experience building scalable tech solutions across web, mobile and enterprise systems.
Imran Javed
Founder & CTO
Over 15 years in software development across mobile, web and enterprise applications, with a background in solution architecture and large-scale digital transformation.
Advisors
Fahad Siddique
Strategic Advisor, Fintech & AI Thought Leader
IIT Bombay alumnus with over a decade of experience in financial modeling, systematic investing and advanced analytics, including at Bank of America Merrill Lynch.
Rajendra Sagar
Strategic Tech Advisor & Mentor
Over 24 years of IT experience implementing Oracle Cloud Financials for large organizations including Bank of America, British Telecom and General Electric.
FAQ
Questions teams ask before a pilot.
What is Pramaan?
Pramaan is an AI sales readiness platform from Intertwine Technologies. You upload product PDFs, policy circulars, or a website. It generates a learning module, a graded assessment, and a live sales assistant grounded in that approved material, often the same day.
How is this different from an LMS or a chatbot?
A traditional LMS needs a course-design team and weeks of authoring. A generic chatbot answers from the model's general knowledge and can invent a rate or a rule. Pramaan generates the module from your documents, scores whether officers can apply the material, and answers only from the approved pack, with a citation.
Which industries does Pramaan fit?
It fits wherever a frontline person has to explain a product they did not write, under time pressure, with compliance on the line. That includes cooperative and commercial banks, NBFCs, manufacturing dealer and industrial sales, insurance, pharma and medical devices, professional services, and retail counters.
Does the assistant approve loans, quotes, or discounts?
No. It coaches and retrieves. It does not sanction, decline, or invent a price, rate, waiver, or eligibility rule. If the answer is not in your approved knowledge base, it says so.
How fast can a team go live?
Once you have a product pack, the knowledge base and learning module can be live the same working day. A focused pilot typically runs 4 to 6 weeks with 10 to 20 officers and one flagship product.
What do you need from us to start a pilot?
One flagship product pack (eligibility, sales guide, FAQ, compliance notes, or equivalent), 10 to 20 officers, and a manager who will look at readiness scores. Customer PII is not required. Synthetic product data is enough to prove the loop.
Does Pramaan make us compliant with the RBI directions?
No software does that on its own. Pramaan helps frontline teams stay within the product information you have approved, and supports your suitability-first sales process. Your compliance team decides what is approved and stays responsible for compliance.
Request a pilot
Pick one product and a small team.
Tell us about your institution and the product you would start with. We will tell you whether a pilot is the right next step.
Prefer to talk first? Email hello@intertwinetechnologies.comor call +91 9307991901.