diff --git a/android/navi-pay/src/main/kotlin/com/navi/pay/npcicl/NpciSessionHandler.kt b/android/navi-pay/src/main/kotlin/com/navi/pay/npcicl/NpciSessionHandler.kt
index 3cae4b47e2..cc5b29c198 100644
--- a/android/navi-pay/src/main/kotlin/com/navi/pay/npcicl/NpciSessionHandler.kt
+++ b/android/navi-pay/src/main/kotlin/com/navi/pay/npcicl/NpciSessionHandler.kt
@@ -7,10 +7,12 @@
 
 package com.navi.pay.npcicl
 
+import com.navi.base.utils.TrustedTimeAccessor
 import com.navi.pay.common.repository.SharedPreferenceRepository
 import com.navi.pay.utils.KEY_NPCI_TOKEN
 import com.navi.pay.utils.KEY_NPCI_TOKEN_EXPIRY_IN_DAYS
 import com.navi.pay.utils.KEY_NPCI_TOKEN_STORED_TIME
+import com.navi.pay.utils.ONE_DAY_MILLIS
 import javax.inject.Inject
 
 interface NpciSessionHandler {
@@ -49,8 +51,10 @@ constructor(private val sharedPreferenceRepository: SharedPreferenceRepository)
         )
             return false
 
-        val tokenValidityInMillis = expiryInDays * 1000L * 60 * 60 * 24
-        return System.currentTimeMillis() - tokenTimestamp < tokenValidityInMillis
+        val tokenValidityInMillis = expiryInDays * ONE_DAY_MILLIS
+        val elapsedTime = TrustedTimeAccessor.getCurrentTimeMillis() - tokenTimestamp
+        val thresholdValidity = (tokenValidityInMillis * 0.9).toLong()
+        return elapsedTime < thresholdValidity
     }
 
     override suspend fun getChallengeType(): String {
@@ -72,7 +76,7 @@ constructor(private val sharedPreferenceRepository: SharedPreferenceRepository)
         )
         sharedPreferenceRepository.saveStringValueSynchronously(
             key = KEY_NPCI_TOKEN_STORED_TIME,
-            value = System.currentTimeMillis().toString(),
+            value = TrustedTimeAccessor.getCurrentTimeMillis().toString(),
             encrypt = true,
         )
         sharedPreferenceRepository.saveStringValueSynchronously(
diff --git a/android/navi-pay/src/main/kotlin/com/navi/pay/utils/NaviPayConstants.kt b/android/navi-pay/src/main/kotlin/com/navi/pay/utils/NaviPayConstants.kt
index 85a36609aa..d839e8727a 100644
--- a/android/navi-pay/src/main/kotlin/com/navi/pay/utils/NaviPayConstants.kt
+++ b/android/navi-pay/src/main/kotlin/com/navi/pay/utils/NaviPayConstants.kt
@@ -255,7 +255,7 @@ const val CHECK_BALANCE_ERROR_TRANSITION_TOTAL_DURATION: Long =
 const val LOW_BALANCE = "LowBalance"
 const val ACTIVATE = "Activate"
 const val COIN_IMAGE_MAPPING_ID = "imageId"
-const val ONE_DAY_MILLIS = 24 * 60 * 60 * 1000
+const val ONE_DAY_MILLIS = 24 * 60 * 60 * 1000L
 const val DENY = "DENY"
 const val ALLOW = "ALLOW"
 const val OTP_AUTO_READ_TIMEOUT_IN_SECONDS = 30