For young earners expecting salary jumps, Bank of Baroda’s Step-Down Home Loan keeps initial EMIs high and reduces every 2 years. Example: ₹80 L, 15 yrs, 8%. Year 1-2 EMI ₹96 k (40% above normal), year 3-4 ₹84 k, year 5-6 ₹72 k, then ₹60 k. Interest saved ₹18 L, tenor 12 yrs 3 months. Eligibility: age 25–35, income ≥₹15 L, CIBIL >750. Risk: cash-flow strain if promotion delays. We compare with Axis Fast-Forward and provide cash-flow planner. Keywords: step-down EMI, front-loaded loan, early payoff.