diff --git a/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt b/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt
index 4ce0871473..3fdc1f9489 100644
--- a/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt
+++ b/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt
@@ -142,6 +142,7 @@ import com.navi.pay.onboarding.account.add.model.view.AccountType
 import com.navi.pay.onboarding.account.common.model.view.VpaEntity
 import com.navi.pay.onboarding.account.common.model.view.VpaStatus
 import com.navi.pay.onboarding.account.detail.model.view.LinkedAccountEntity
+import com.navi.pay.onboarding.account.detail.model.view.deepCopy
 import com.navi.pay.utils.ACTION_PIN_SET
 import com.navi.pay.utils.ALL_ENABLED_ACCOUNTS
 import com.navi.pay.utils.AMOUNT_MAX_LENGTH
@@ -1536,7 +1537,7 @@ constructor(
 
         if (isPaymentFromLiteAccount) { // For further process we shift to actual accountId
             selectedBankAccount =
-                selectedBankAccount.copy(
+                selectedBankAccount.deepCopy(
                     accountId = selectedBankAccount.accountId.substringBefore(UNDERSCORE)
                 )
         }
@@ -2638,7 +2639,7 @@ constructor(
                             // Payer VPA will be UMN in case of mandate, so getting this from
                             // collect
                             // request item.
-                            selectedBankAccount.value?.copy(
+                            selectedBankAccount.value?.deepCopy(
                                 vpaEntityList =
                                     listOf(
                                         VpaEntity(
diff --git a/android/navi-pay/src/main/kotlin/com/navi/pay/onboarding/account/detail/model/view/LinkedAccountEntity.kt b/android/navi-pay/src/main/kotlin/com/navi/pay/onboarding/account/detail/model/view/LinkedAccountEntity.kt
index fb904b94ac..8ab5c64407 100644
--- a/android/navi-pay/src/main/kotlin/com/navi/pay/onboarding/account/detail/model/view/LinkedAccountEntity.kt
+++ b/android/navi-pay/src/main/kotlin/com/navi/pay/onboarding/account/detail/model/view/LinkedAccountEntity.kt
@@ -107,3 +107,65 @@ data class LinkedAccountEntity(
 
     @IgnoredOnParcel var isArcProtected: Boolean = false
 }
+
+fun LinkedAccountEntity.deepCopy(
+    accountId: String = this.accountId,
+    bankCode: String = this.bankCode,
+    bankName: String = this.bankName,
+    name: String = this.name,
+    ifsc: String = this.ifsc,
+    fallbackBankLogoResId: Int = this.fallbackBankLogoResId,
+    maskedAccountNumber: String = this.maskedAccountNumber,
+    originalMaskedAccountNumber: String = this.originalMaskedAccountNumber,
+    accountType: String = this.accountType,
+    vpaEntityList: List<VpaEntity> = this.vpaEntityList.map { it.copy() },
+    isMPinSet: Boolean = this.isMPinSet,
+    mPinLength: String = this.mPinLength,
+    otpLength: String = this.otpLength,
+    atmPinLength: String = this.atmPinLength,
+    isAadhaarConsentProvided: Boolean = this.isAadhaarConsentProvided,
+    bankIconImageUrl: String = this.bankIconImageUrl,
+    isAccountPrimary: Boolean = this.isAccountPrimary,
+    upiLiteInfo: List<UPILiteEntity> = this.upiLiteInfo.map { it.copy() },
+    balance: String? = this.balance,
+    accountTypeFormatted: String = this.accountTypeFormatted,
+    creditLineAllowedMCC: List<String> = this.creditLineAllowedMCC.toList(),
+    creditLineNotAllowedMCC: List<String> = this.creditLineNotAllowedMCC.toList(),
+    updatedAt: DateTime? = this.updatedAt,
+): LinkedAccountEntity {
+    return LinkedAccountEntity(
+            accountId = accountId,
+            bankCode = bankCode,
+            bankName = bankName,
+            name = name,
+            ifsc = ifsc,
+            fallbackBankLogoResId = fallbackBankLogoResId,
+            maskedAccountNumber = maskedAccountNumber,
+            originalMaskedAccountNumber = originalMaskedAccountNumber,
+            accountType = accountType,
+            vpaEntityList = vpaEntityList,
+            isMPinSet = isMPinSet,
+            mPinLength = mPinLength,
+            otpLength = otpLength,
+            atmPinLength = atmPinLength,
+            isAadhaarConsentProvided = isAadhaarConsentProvided,
+            bankIconImageUrl = bankIconImageUrl,
+            isAccountPrimary = isAccountPrimary,
+            upiLiteInfo = upiLiteInfo,
+            balance = balance,
+            accountTypeFormatted = accountTypeFormatted,
+            creditLineAllowedMCC = creditLineAllowedMCC,
+            creditLineNotAllowedMCC = creditLineNotAllowedMCC,
+            updatedAt = updatedAt,
+        )
+        .apply {
+            eligibilityState = this@deepCopy.eligibilityState.copy()
+            bankUptimeEntity = this@deepCopy.bankUptimeEntity?.copy()
+            isDisabled = this@deepCopy.isDisabled
+            infoMessage = this@deepCopy.infoMessage
+            creditLineAccSubType = this@deepCopy.creditLineAccSubType
+            isArcProtected = this@deepCopy.isArcProtected
+
+            // lazy params will be calculated on demand
+        }
+}