diff --git a/android/navi-pay/src/main/kotlin/com/navi/pay/common/usecase/ValidateVpaUseCase.kt b/android/navi-pay/src/main/kotlin/com/navi/pay/common/usecase/ValidateVpaUseCase.kt
index 471457f9c8..db4cce65f9 100644
--- a/android/navi-pay/src/main/kotlin/com/navi/pay/common/usecase/ValidateVpaUseCase.kt
+++ b/android/navi-pay/src/main/kotlin/com/navi/pay/common/usecase/ValidateVpaUseCase.kt
@@ -19,6 +19,7 @@ import com.navi.pay.common.model.network.ValidateVpaRequest
 import com.navi.pay.common.model.network.ValidateVpaResponse
 import com.navi.pay.common.model.view.NaviPayFlowType
 import com.navi.pay.common.model.view.NaviPaySessionHelper
+import com.navi.pay.common.model.view.PspType
 import com.navi.pay.common.repository.CommonRepository
 import com.navi.pay.common.setup.NaviPayCustomerStatusHandler
 import com.navi.pay.common.utils.getMetricInfo
@@ -64,16 +65,25 @@ constructor(
         naviPayAnalytics.onValidateVpaStart(
             naviPaySessionAttributes = naviPaySessionHelper.getNaviPaySessionAttributes()
         )
-        if (!skipCustomerOnboardingCheck && !isCustomerOnboardedOnAnySupportedPsp(screenName)) {
+        val isCustomerExists = isCustomerExistsOnAnySupportedPsp(screenName)
+        if (!skipCustomerOnboardingCheck && !isCustomerExists) {
             naviPayAnalytics.onValidateVpaAbort(naviPaySessionHelper.getNaviPaySessionAttributes())
             return null // early return
         }
 
         var customerOnboardingEntity: NaviPayCustomerOnboardingEntity? = null
 
-        evaluateAndBindPspForVpaValidation(
-            onPspEvaluatedSuccess = { customerOnboardingEntity = it }
-        )
+        if (isCustomerExists) {
+            // TODO: Hardcoded PSP to be removed in multibank
+            customerOnboardingEntity =
+                naviPayCustomerStatusHandler.getCustomerOnboardingEntity(
+                    pspType = PspType.JUSPAY_AXIS
+                )
+        } else {
+            evaluateAndBindPspForVpaValidation(
+                onPspEvaluatedSuccess = { customerOnboardingEntity = it }
+            )
+        }
 
         if (customerOnboardingEntity == null) {
             return null
@@ -225,7 +235,7 @@ constructor(
     }
 
     // returns true if customer has done binding or has at least one account in db
-    private suspend fun isCustomerOnboardedOnAnySupportedPsp(screenName: String): Boolean {
+    private suspend fun isCustomerExistsOnAnySupportedPsp(screenName: String): Boolean {
         val accounts = accountsRepository.getAllAccounts()
         if (accounts.isNotEmpty()) {
             return true