About Us
Joel Group of Companies
Pparag Findoc is an integral part of the Joel Group of Companies, a trusted name with over three decades of experience in financial services. Drawing strength from its parent company, Joel Marketing Consultants, we combine legacy, expertise, and innovation to deliver comprehensive financial solutions. Our team of skilled financial advisors and seasoned professionals is dedicated to guiding clients across every stage of their financial journey—whether it’s financial planning, mutual funds, life insurance, health insurance, or loans. With a client-centric approach, deep market understanding, and a reputation built on trust and performance, Pparag Findoc continues the Joel Group tradition of helping individuals and families secure their financial future with confidence.
Why Choose Us?
- 360° Financial Care: From planning and protection to loans and investments, we cover every stage of your financial journey.
- Value Over Commission: We are product-agnostic—guided only by your goals, not by products that pay us higher commissions. Your success is our only metric.
- Clarity & Speed: Transparent processes, jargon-free advice, and the fastest possible turnaround so you always know where you stand.
- Wisdom Beyond Products: We decode complex financial, legal, and technical aspects to help you take smarter, future-ready decisions.
- Always On Your Side: We don’t believe in saying “No.” We find a way to support, guide, and empower you—no matter the challenge.
- Relationships for Life: Not a one-time transaction, but a lifelong partnership built on trust, discipline, and consistent guidance.
Our Team
Pparag Rughani
Popularly known as the financial doctor -Pparag Rughani has been in the financial industry since 1992. He has worked with leading brand names such as HSBC, Standard Chartered partnering with them and pioneering the loans verticals for these leading banks. He decided to branch out and start his own venture under the name Joel Marketing Consultants in the year 1999 and since then it is never looking back . He has vast experience in the financial markets specially in the Retail and SME verticals. Equipped with high level of product knowledge, he understands market needs and is able to customise solutions to meet all client requirements. With his years of experience he has gained immense practical knowledge in legal and technical nuances which helps in complying with the banking norms and getting the best deals for his clients. Currently he is the CEO of JMC who's in Retail and SME loans since 27+ years and has spread his wings across Mutual Funds, Insurance and even Retail Loans. His skills and expertise are specially in the field of Retail/ SME /Project Loan, Mutual funds, Financial Planning and General Insurance. In the field of Life Insurance he has been awarded MDRT and COT for his outstanding achievements. In a short span of over 20+ years he has served over 1000+ families. His Vision is to help 10 lakh families and ensure financial growth and security for them in the next decade.
Beenaa Rughani
Meticulous in work and being backbone of the business since 1994 contributing towards stimulus and smooth processing of all our key businesses within the best possible time required to business operations and back office process. Adheres to transparent communications with principle and clients has achieved best possible service levels in administration, back office operations in Retail, SME and Life Insurance. Currently spearheading efforts as an Entrepreneur (Partner) with reputed companies. Possessing valuable insights to achieve fastest "turn around time".
Yansshi Rughani
Yansshi Rughani is a dedicated team member of the Joel Group of Companies, representing the insurance vertical with a strong track record of excellence. She has been a consistent MDRT (Million Dollar Round Table) achiever with TATA AIA for the past five years, a testament to her commitment, performance, and client-first approach.
Her expertise spans across life and health insurance solutions, helping clients secure their future with the right protection and financial planning tools. In addition, Yansshi is also a valued member of TATA AIG, further strengthening her portfolio in the insurance domain.
With her professionalism, perseverance, and deep product knowledge, she continues to build trust and deliver value to clients, making her an integral part of our team.
Our approach
Listen Deeply, Diagnose Wisely
We start by understanding your life goals, not just numbers. Like a good doctor, we listen before we prescribe.
Simplify the Complex
Financial jargon? Not with us. We decode plans, risks, and returns in a way that’s visual, relatable, and jargon-free.
Behavior First, Product Later
Most investors fail due to habits, not products. We shape behavior—discipline, consistency, and clarity— before recommending investments.
Smart Debt Consolidation
We help streamline your loans and liabilities— reducing interest burden, improving cash flow, and setting you up for long-term financial stability.
Monitor, Nudge, Update
We don’t disappear after the plan is made. Our regular check-ins, nudges, & reviews keep your portfolio aligned to your evolving goals.
Build Trust. Not Noise.
We don’t chase trends. We build long-term relationships based on trust, education, and integrity. Because wealth isn't built overnight
