Pramaan by Intertwine · For banks, NBFCs and co-operative banks
Make every branch officer ready for the customer conversation.
Pramaan turns your approved product PDFs, policy circulars, FAQs, and sales guides into a learning module, a scored readiness assessment, and a source-cited assistant for frontline officers.
One flagship product. 10–20 officers. 4–6 weeks. No customer PII required.
- Duration
- 4 to 6 weeks
- Users
- 10 to 20 officers
- Content
- One flagship product
- Output
- Adoption and expansion report
The problem
Your approved product knowledge is not always at the branch desk.
Circulars and rate sheets change
The desk often finds out late and unevenly. Product knowledge sits in circulars, rate sheets and a trainer's memory.
Classroom training cannot keep pace
A session runs once, often months after a product goes live. New officers wait for the next batch.
Course completion does not prove application
Completion is not the same as being ready. A manager cannot tell whether an officer can explain a product and handle an objection.
Officers fall back on old documents
Outdated documents, informal guidance, or escalation to senior staff fill the gap before a customer conversation.
RBI context
Directions take effect on January 1, 2027.
RBI issued final directions on advertising, marketing and sale of financial products on June 15, 2026. They take effect on January 1, 2027 (RBI press release). Pramaan helps institutions give frontline officers current approved material to learn from, demonstrate understanding on, and cite during customer conversations.
Pramaan does not make an institution compliant on its own. Your compliance team decides what is approved and remains responsible for compliance.
How it works
From product circular to ready officer.
- 01
Upload approved material
Product PDFs, circulars, sales guides and FAQs. This is the only material the assistant answers from.
- 02
Generate learning
Lessons cover the product, the right customer, need discovery, positioning, process and objections.
- 03
Assess knowledge and application
Scores separate what an officer knows, what they understand, and whether they can apply it. Officers can also practice objections with an AI-simulated customer.
- 04
Support the live customer conversation
At the desk, the officer asks a question and gets an answer from your approved documents, with the source shown.
- 05
Give managers visibility
Scores, knowledge gaps and assistant usage for each officer. Branch-scoped views are in the pilot build and are not live yet.
Banking use cases
Start with the products your officers explain every day.
Working-capital products
- Upload
- Product circular, eligibility criteria, documentation checklist and sales guide.
- Officer can ask
- "Which documents do I need to collect for this facility?"
- "What does the circular say about eligibility?"
- Manager can measure
- Scores and knowledge gaps on eligibility and documentation.
Deposit products
- Upload
- Product note, rate sheet, terms and conditions, and FAQ.
- Officer can ask
- "What does the approved rate sheet show for this tenure?"
- "What are the terms for withdrawing early?"
- Manager can measure
- Scores by topic, and the questions officers ask most often.
Gold loans
- Upload
- Gold-loan circular, process note and documentation list.
- Officer can ask
- "Which documents are listed for a new gold-loan customer?"
- "What does the process note say about the next step?"
- Manager can measure
- Readiness scores and the topics where officers still struggle.
Insurance or third-party financial products
- Upload
- Approved brochures and guidelines supplied by the product provider.
- Officer can ask
- "What does the approved brochure say about exclusions?"
- "Which points must I explain to the customer?"
- Manager can measure
- Completion alongside scored understanding, so readiness is visible before officers discuss the product.
Documentation and eligibility updates
- Upload
- The updated circular or checklist.
- Officer can ask
- "What changed in the latest documentation list?"
- "Is this document still accepted?"
- Manager can measure
- Who has taken the updated module, and where gaps remain.
If the answer is not in the uploaded material, the assistant says so.
Trust and guardrails
The assistant retrieves. Your institution decides.
Pramaan helps frontline teams stay within approved product information and supports your suitability-first sales process. The assistant coaches. It does not decide.
Where your data lives
Hosting: Chosen based on your location
Multi-tenant data isolation and audit logging. How we handle data
- Answers come from approved sources.
- Citations are shown with answers.
- It does not invent rates, eligibility, waivers, fees, or regulatory requirements.
- If the answer is not in the knowledge base, it says so. It flags missing or conflicting information.
- It does not sanction, approve, decline, quote, or make commercial decisions.
- The institution's product, compliance, and management teams remain responsible.
The pilot
Start with one product and a small team.
We measure product-knowledge scores before and after, what officers ask the assistant, how officers use roleplay practice, and feedback from officers and managers.
Fixed-fee pilot. Scope and fee are agreed in writing before the pilot starts.
- Duration
- 4 to 6 weeks
- Users
- 10 to 20 officers
- Content
- One flagship product
- Data
- Approved or synthetic product material. No customer PII required.
- Measurement
- Readiness scores, knowledge gaps, assistant usage, and user and manager feedback
- Output
- Adoption and expansion report
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 roleplay: a simulated customer raises 3 to 5 real objections
- 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
- 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 banking pilot
Pick one product and a small team.
One flagship product. 10–20 officers. 4–6 weeks. Tell us about your institution and the product you would start with, and we will tell you whether a pilot is the right next step.
Prefer to talk first? Email hello@intertwinetechnologies.comor call +91 8766596943.