Independent Financial Research Platform

Where FinanceMeets Research,Strategy & AI

Finance Model is an independent knowledge platform exploring financial modelling, valuation, M&A, investment research and the evolving application of artificial intelligence in finance.

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18+ Years

International corporate finance experience

Global Exposure

India · US · UK · MENA capital markets

DBA Scholar

Ongoing doctoral research

Modelling & Valuation

DCF · LBO · M&A · Model review

Financial ModellingDCF ValuationM&A StrategyEquity ResearchAI in FinanceCapital MarketsCorporate FinanceInvestment ResearchThree-Statement ModelsLBO AnalysisFinancial ModellingDCF ValuationM&A StrategyEquity ResearchAI in FinanceCapital MarketsCorporate FinanceInvestment ResearchThree-Statement ModelsLBO Analysis

The Platform

Research over rhetoric.

Finance Model is an independent, non-commercial platform. No courses for sale, no stock tips, no return promises — only original, technically rigorous writing on how finance actually works: the models, the valuations, the deals, and increasingly, the machines.

Est. Mumbai

Independent · International · Research-led

Featured Research

Original analysis and evergreen guides from the publication desk.

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Financial ModellingFeatured

What Is Financial Modeling? The Complete Guide

Financial modeling is the working language of professional finance. This guide explains what models are, how they are structured, where they are used, and what separates a professional model from a fragile spreadsheet.

3 min read · 11 Nov 2026Read article

Financial ModellingFeatured

How to Build a Three-Statement Financial Model

The three-statement model is the foundation of professional finance. A step-by-step walk through architecture, forecasting, articulation and the checks that prove it works.

3 min read · 11 Nov 2026Read article

Business ValuationFeatured

DCF Valuation Explained: From Cash Flows to Equity Value

The discounted cash flow method is the backbone of intrinsic valuation. How it works, where it breaks, and why terminal value deserves more respect than it gets.

3 min read · 11 Nov 2026Read article

Knowledge Hub

Financial Modelling, properly explained.

From three-statement architecture to DCF mechanics and model review — a complete, original reference built from 18+ years of building, reviewing and challenging financial models.

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Valuation & M&A Insights

Enterprise value, WACC, terminal value, comps, precedents and merger analysis — the craft of pricing businesses and structuring transactions.

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AI in Finance

Where artificial intelligence genuinely helps financial research — and where human judgement must stay in control.

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Interactive

Finance Lab

Educational calculators used by analysts every day. Free, private, and no account needed — your inputs never leave your browser session.

The Founder

Harindar Kharwar

Mumbai, India

Corporate Finance & Valuation Professional with 18+ years across hedge funds, investment banking, private equity and Big Four deal advisory — currently a DBA research scholar exploring AI-assisted financial research.

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Corporate Valuation

Financial Modelling

M&A Advisory

AI-assisted Research

FAQ

Frequently Asked Questions

Straight answers about the platform and its purpose.

Where FinanceMeets Research,Strategy & AI

Research over rhetoric.

Original analysis and evergreen guides from the publication desk.

What Is Financial Modeling? The Complete Guide

How to Build a Three-Statement Financial Model

DCF Valuation Explained: From Cash Flows to Equity Value

Financial Modelling, properly explained.

Valuation & M&A Insights

AI in Finance

Finance Lab

Harindar Kharwar

Frequently Asked Questions

Is Finance Model a training institute or advisory firm?

Who writes the research?

Is the content investment advice?

Are the Finance Lab calculators free?

Can I reuse or share the articles?