diff --git a/android/app/src/main/java/com/naviapp/network/retrofit/NaviHttpClient.kt b/android/app/src/main/java/com/naviapp/network/retrofit/NaviHttpClient.kt
index ccc242a7e9..a2b89a1377 100644
--- a/android/app/src/main/java/com/naviapp/network/retrofit/NaviHttpClient.kt
+++ b/android/app/src/main/java/com/naviapp/network/retrofit/NaviHttpClient.kt
@@ -10,6 +10,7 @@ package com.naviapp.network.retrofit
 import android.content.Context
 import com.chuckerteam.chucker.api.ChuckerCollector
 import com.chuckerteam.chucker.api.ChuckerInterceptor
+import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.HP_RETRY_INTERCEPTOR_ENABLED
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.BaseHttpClient
 import com.navi.common.network.retry.interceptor.RetryInterceptor
@@ -24,8 +25,8 @@ class NaviHttpClient(networkInfo: NetworkInfo, context: Context) :
     val httpClientBuilder: OkHttpClient.Builder
         get() {
             val okHttpClientBuilder = baseHttpClientBuilder
-            if (BuildConfig.DEBUG) {
-                with(okHttpClientBuilder) {
+            with(okHttpClientBuilder) {
+                if (BuildConfig.DEBUG) {
                     addInterceptor(loggingInterceptor())
                     addInterceptor(
                         ChuckerInterceptor.Builder(NaviApplication.instance.applicationContext)
@@ -37,9 +38,9 @@ class NaviHttpClient(networkInfo: NetworkInfo, context: Context) :
                             .alwaysReadResponseBody(false)
                             .build()
                     )
-                    if (isRetryInterceptorEnabled()) {
-                        addInterceptor(RetryInterceptor())
-                    }
+                }
+                if (isRetryInterceptorEnabled(HP_RETRY_INTERCEPTOR_ENABLED)) {
+                    addInterceptor(RetryInterceptor())
                 }
             }
             return okHttpClientBuilder
diff --git a/android/app/src/main/java/com/naviapp/network/retrofit/RetrofitService.kt b/android/app/src/main/java/com/naviapp/network/retrofit/RetrofitService.kt
index fc63c00fa7..c4e3db1b01 100644
--- a/android/app/src/main/java/com/naviapp/network/retrofit/RetrofitService.kt
+++ b/android/app/src/main/java/com/naviapp/network/retrofit/RetrofitService.kt
@@ -109,11 +109,6 @@ import com.naviapp.payment.models.TransactionDetail
 import com.naviapp.screenOverlay.model.OverlayItemsStateUpdates
 import com.naviapp.screenOverlay.model.OverlayScreenStructure
 import com.naviapp.screenOverlay.model.ScreenOverlayActionUpdateRequest
-import java.net.ConnectException
-import java.net.SocketTimeoutException
-import java.net.UnknownHostException
-import javax.net.ssl.SSLHandshakeException
-import javax.net.ssl.SSLPeerUnverifiedException
 import okhttp3.RequestBody
 import retrofit2.Response
 import retrofit2.http.Body
@@ -143,6 +138,7 @@ interface RetrofitService {
         @Header(HEADER_X_TENANT_ID) tenantId: String,
     ): Response<GenericResponse<LoginOtpVerifyResponse>>
 
+    @RetryPolicy
     @POST("/login-service/v1/login")
     suspend fun userLogin(
         @Body loginRequest: UserLoginRequest,
@@ -202,7 +198,9 @@ interface RetrofitService {
         @Query("subProduct") subProduct: String? = null,
     ): Response<GenericResponse<List<GroupFaq>>>
 
-    @POST("/auth/v1/logout") suspend fun logout(): Response<GenericResponse<SuccessResponse>>
+    @RetryPolicy
+    @POST("/auth/v1/logout")
+    suspend fun logout(): Response<GenericResponse<SuccessResponse>>
 
     @GET("/login-settings")
     suspend fun fetchLoginSettings(): Response<GenericResponse<LoginSettings>>
@@ -505,6 +503,7 @@ interface RetrofitService {
         @Body deviceDetail: DeviceDetail,
     ): Response<GenericResponse<com.navi.common.network.models.SuccessResponse>>
 
+    @RetryPolicy
     @GET("/forge/screen/{screenId}")
     suspend fun fetchForgeScreen(
         @Header(X_IS_SCREEN_LOCK_ENABLED) isScreenLockEnabled: Boolean? = null,
@@ -533,6 +532,7 @@ interface RetrofitService {
         @Body request: AlchemistScreenRequest?,
     ): Response<GenericResponse<AlchemistScreenDefinition>>
 
+    @RetryPolicy
     @GET("/forge/screen/{screenId}")
     suspend fun fetchNotificationForgeScreen(
         @Header("Accept-Encoding") acceptEncoding: String,
@@ -546,17 +546,7 @@ interface RetrofitService {
         @Body notificationStatusRequest: List<NotificationUpdateStatus>,
     ): Response<GenericResponse<Unit>>
 
-    @RetryPolicy(
-        retryCount = 3,
-        retryOn =
-            [
-                SocketTimeoutException::class,
-                UnknownHostException::class,
-                ConnectException::class,
-                SSLHandshakeException::class,
-                SSLPeerUnverifiedException::class,
-            ],
-    )
+    @RetryPolicy
     @GET("/forge/screen/{screenId}")
     suspend fun fetchInsuranceTabForgeScreen(
         @Header("Accept-Encoding") acceptEncoding: String,
@@ -564,6 +554,7 @@ interface RetrofitService {
         @Path("screenId") screenId: String,
     ): Response<GenericResponse<InsuranceTabResponse>>
 
+    @RetryPolicy
     @GET("/forge/screen/{screenId}")
     suspend fun fetchTrialDashboardForgeScreen(
         @Header("Accept-Encoding") acceptEncoding: String,
@@ -577,6 +568,7 @@ interface RetrofitService {
         @QueryMap queryMap: Map<String, String>,
     ): Response<Any>
 
+    @RetryPolicy
     @GET("/forge/screen/{screenId}")
     suspend fun fetchLendingPermissionScreenResponse(
         @Header("Accept-Encoding") acceptEncoding: String,
@@ -610,7 +602,7 @@ interface RetrofitService {
     ): Response<GenericResponse<ActionData>>
 
     @GET("/alchemist/inflate/v2/{screenId}")
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     suspend fun fetchInvestmentTabScreenResponse(
         @Header("Accept-Encoding") acceptEncoding: String,
         @Header("X-Target") target: String,
@@ -628,7 +620,7 @@ interface RetrofitService {
         @Header(HEADER_X_PLATFORM) platform: String = Constants.OS_ANDROID,
     ): Response<GenericResponse<OverlayScreenStructure>>
 
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     @PATCH("/nudge/state")
     suspend fun updateScreenOverlayElementState(
         @Body request: OverlayItemsStateUpdates
diff --git a/android/application-platform/navi-ap/src/main/kotlin/com/navi/ap/network/retrofit/NaviApHttpClient.kt b/android/application-platform/navi-ap/src/main/kotlin/com/navi/ap/network/retrofit/NaviApHttpClient.kt
index a62b483561..57ba7eede1 100644
--- a/android/application-platform/navi-ap/src/main/kotlin/com/navi/ap/network/retrofit/NaviApHttpClient.kt
+++ b/android/application-platform/navi-ap/src/main/kotlin/com/navi/ap/network/retrofit/NaviApHttpClient.kt
@@ -1,6 +1,6 @@
 /*
  *
- *  * Copyright © 2023-2024 by Navi Technologies Limited
+ *  * Copyright © 2023-2025 by Navi Technologies Limited
  *  * All rights reserved. Strictly confidential
  *
  */
@@ -13,8 +13,11 @@ import com.chuckerteam.chucker.api.ChuckerInterceptor
 import com.navi.ap.BuildConfig
 import com.navi.ap.network.retrofit.interceptor.PlatformInterceptor
 import com.navi.ap.network.utils.NetworkInfoProvider
+import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.AP_RETRY_INTERCEPTOR_ENABLED
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.BaseHttpClient
+import com.navi.common.network.retry.interceptor.RetryInterceptor
+import com.navi.common.network.retry.interceptor.isRetryInterceptorEnabled
 import dagger.hilt.android.qualifiers.ApplicationContext
 import javax.inject.Inject
 import okhttp3.OkHttpClient
@@ -44,6 +47,9 @@ constructor(
                     )
                 }
                 addInterceptor(platformInterceptor)
+                if (isRetryInterceptorEnabled(AP_RETRY_INTERCEPTOR_ENABLED)) {
+                    addInterceptor(RetryInterceptor())
+                }
             }
             return okHttpClientBuilder
         }
diff --git a/android/application-platform/navi-ap/src/main/kotlin/com/navi/ap/network/retrofit/service/APRetrofitService.kt b/android/application-platform/navi-ap/src/main/kotlin/com/navi/ap/network/retrofit/service/APRetrofitService.kt
index dfdd5eccb4..ecc46214a1 100644
--- a/android/application-platform/navi-ap/src/main/kotlin/com/navi/ap/network/retrofit/service/APRetrofitService.kt
+++ b/android/application-platform/navi-ap/src/main/kotlin/com/navi/ap/network/retrofit/service/APRetrofitService.kt
@@ -18,6 +18,7 @@ import com.navi.ap.network.model.FillApplicationRequestBody
 import com.navi.base.utils.EMPTY
 import com.navi.common.model.ModuleName
 import com.navi.common.network.models.GenericResponse
+import com.navi.common.network.retry.annotations.RetryPolicy
 import com.navi.common.utils.Constants.GZIP
 import com.navi.common.utils.Constants.OS_ANDROID
 import retrofit2.Response
@@ -57,6 +58,7 @@ interface APRetrofitService : CoinsLambdaService, GenericLambdaService {
         @Header("X-Platform") applicationHash: String = OS_ANDROID,
     ): Response<GenericResponse<ApGetNextCtaResponse>>
 
+    @RetryPolicy
     @POST("/arc-warden/api/v3/application")
     suspend fun createApplicationAndGetCta(
         @Body applicationRequestBody: ApplicationRequestBody,
diff --git a/android/navi-amc/src/main/java/com/navi/amc/network/retrofit/NaviHttpClient.kt b/android/navi-amc/src/main/java/com/navi/amc/network/retrofit/NaviHttpClient.kt
index 712f4066d8..c67047fe7d 100644
--- a/android/navi-amc/src/main/java/com/navi/amc/network/retrofit/NaviHttpClient.kt
+++ b/android/navi-amc/src/main/java/com/navi/amc/network/retrofit/NaviHttpClient.kt
@@ -11,7 +11,6 @@ import android.content.Context
 import com.chuckerteam.chucker.api.ChuckerCollector
 import com.chuckerteam.chucker.api.ChuckerInterceptor
 import com.navi.amc.BuildConfig
-import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper
 import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.NAVI_AMC_RETRY_POLICY_ENABLED
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.BaseHttpClient
@@ -38,10 +37,7 @@ class NaviHttpClient(networkInfo: NetworkInfo, private val context: Context) :
                     )
                 }
             }
-            if (
-                isRetryInterceptorEnabled() &&
-                    FirebaseRemoteConfigHelper.getBoolean(NAVI_AMC_RETRY_POLICY_ENABLED)
-            ) {
+            if (isRetryInterceptorEnabled(NAVI_AMC_RETRY_POLICY_ENABLED)) {
                 okHttpClientBuilder.addInterceptor(RetryInterceptor())
             }
 
diff --git a/android/navi-amc/src/main/java/com/navi/amc/network/retrofit/RetrofitService.kt b/android/navi-amc/src/main/java/com/navi/amc/network/retrofit/RetrofitService.kt
index ca37118122..9e211778a4 100644
--- a/android/navi-amc/src/main/java/com/navi/amc/network/retrofit/RetrofitService.kt
+++ b/android/navi-amc/src/main/java/com/navi/amc/network/retrofit/RetrofitService.kt
@@ -63,6 +63,7 @@ interface RetrofitService {
     @GET("/amc/checker/CVL_KYC_CHECK")
     suspend fun fetchCheckerData(): Response<GenericResponse<CheckerResponse>>
 
+    @RetryPolicy
     @GET("/kyc/hpc-pan-redirection-page")
     suspend fun fetchHpcPanRedirectionData(): Response<GenericResponse<CheckerResponse>>
 
@@ -305,6 +306,7 @@ interface RetrofitService {
         @Query("fundCategory") fundCategory: String?
     ): Response<GenericResponse<FundListResponse>>
 
+    @RetryPolicy
     @GET(FUND_LIST_DATA_V3)
     suspend fun fetchFundListDataV3(
         @Query("fundCategory") fundCategory: String?
@@ -341,6 +343,7 @@ interface RetrofitService {
         @Query("redemptionOrderId") redemptionOrderId: String
     ): Response<GenericResponse<UploadDataAsyncResponse>>
 
+    @RetryPolicy
     @GET("/my-investment/tabs")
     suspend fun fetchMyInvestmentsTabs(
         @Query("tab") tab: String?,
@@ -396,7 +399,7 @@ interface RetrofitService {
     ): Response<GenericResponse<AdditionalDataAsyncResponse<NextCtaResponse>>>
 
     @GET("/fund/fund-details")
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     suspend fun fetchFundDetails(
         @Query("isin") isin: String
     ): Response<GenericResponse<FundDetails>>
@@ -544,6 +547,7 @@ interface RetrofitService {
         @Body map: Map<String, String>?
     ): Response<GenericResponse<AutoPaySetupScreenData>>
 
+    @RetryPolicy
     @GET("/fund/v1/fund-graph/{isin}")
     suspend fun fetchFundGraphData(
         @Path("isin") isin: String?,
diff --git a/android/navi-bbps/src/main/kotlin/com/navi/bbps/network/NaviBbpsHttpClient.kt b/android/navi-bbps/src/main/kotlin/com/navi/bbps/network/NaviBbpsHttpClient.kt
index d80bcdf564..7505477ecf 100644
--- a/android/navi-bbps/src/main/kotlin/com/navi/bbps/network/NaviBbpsHttpClient.kt
+++ b/android/navi-bbps/src/main/kotlin/com/navi/bbps/network/NaviBbpsHttpClient.kt
@@ -1,6 +1,6 @@
 /*
  *
- *  * Copyright © 2024 by Navi Technologies Limited
+ *  * Copyright © 2024-2025 by Navi Technologies Limited
  *  * All rights reserved. Strictly confidential
  *
  */
@@ -11,8 +11,11 @@ import android.content.Context
 import com.chuckerteam.chucker.api.ChuckerCollector
 import com.chuckerteam.chucker.api.ChuckerInterceptor
 import com.navi.bbps.BuildConfig
+import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.BBPS_RETRY_INTERCEPTOR_ENABLED
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.BaseHttpClient
+import com.navi.common.network.retry.interceptor.RetryInterceptor
+import com.navi.common.network.retry.interceptor.isRetryInterceptorEnabled
 import okhttp3.OkHttpClient
 import okhttp3.logging.HttpLoggingInterceptor
 
@@ -21,8 +24,8 @@ class NaviBbpsHttpClient(val networkInfo: NetworkInfo, private val context: Cont
     val httpClientBuilder: OkHttpClient.Builder
         get() {
             val okHttpClientBuilder = baseHttpClientBuilder
-            if (BuildConfig.DEBUG) {
-                with(okHttpClientBuilder) {
+            with(okHttpClientBuilder) {
+                if (BuildConfig.DEBUG) {
                     addInterceptor(loggingInterceptor())
                     addInterceptor(
                         ChuckerInterceptor.Builder(context)
@@ -33,6 +36,9 @@ class NaviBbpsHttpClient(val networkInfo: NetworkInfo, private val context: Cont
                             .build()
                     )
                 }
+                if (isRetryInterceptorEnabled(BBPS_RETRY_INTERCEPTOR_ENABLED)) {
+                    addInterceptor(RetryInterceptor())
+                }
             }
             return okHttpClientBuilder
         }
diff --git a/android/navi-bbps/src/main/kotlin/com/navi/bbps/network/service/NaviBbpsRetrofitService.kt b/android/navi-bbps/src/main/kotlin/com/navi/bbps/network/service/NaviBbpsRetrofitService.kt
index e44897b6d9..19e1008ce8 100644
--- a/android/navi-bbps/src/main/kotlin/com/navi/bbps/network/service/NaviBbpsRetrofitService.kt
+++ b/android/navi-bbps/src/main/kotlin/com/navi/bbps/network/service/NaviBbpsRetrofitService.kt
@@ -35,6 +35,7 @@ import com.navi.bbps.feature.transactiondetails.model.network.BbpsBillAcknowledg
 import com.navi.bbps.feature.transactiondetails.model.network.BbpsTransactionStatusResponse
 import com.navi.common.alchemist.model.AlchemistScreenDefinition
 import com.navi.common.network.models.GenericResponse
+import com.navi.common.network.retry.annotations.RetryPolicy
 import com.navi.rr.common.models.ABSettings
 import retrofit2.Response
 import retrofit2.http.Body
@@ -68,6 +69,7 @@ interface NaviBbpsRetrofitService {
         @Path("savedBillId") savedBillId: String
     ): Response<GenericResponse<BillTransactionHistoryResponse>>
 
+    @RetryPolicy
     @POST("/billpay-gateway/$NAVI_BBPS_API_VERSION/billpay/categories/{categoryId}/billers")
     suspend fun getBillers(
         @Path("categoryId") categoryId: String,
@@ -85,6 +87,7 @@ interface NaviBbpsRetrofitService {
         @Path("billerId") billerId: String
     ): Response<GenericResponse<BillerDetailsResponse>>
 
+    @RetryPolicy
     @POST("/billpay-gateway/$NAVI_BBPS_API_VERSION_2/billpay/bill-details")
     suspend fun getBillDetails(
         @Body billDetailsRequest: BillDetailsRequest
@@ -95,6 +98,7 @@ interface NaviBbpsRetrofitService {
         @Path("savedBillId") savedBillId: String
     ): Response<GenericResponse<BbpsGenericResponse>>
 
+    @RetryPolicy
     @POST("/billpay-gateway/$NAVI_BBPS_API_VERSION/billpay/bill-payment-request")
     suspend fun fetchPaymentToken(
         @Body payBillRequest: PayBillRequest
@@ -122,12 +126,14 @@ interface NaviBbpsRetrofitService {
     suspend fun getOperatorCircleMappingFromPhoneSeries():
         Response<GenericResponse<OperatorCircleSeriesMappingResponse>>
 
+    @RetryPolicy
     @POST("/billpay-gateway/$NAVI_BBPS_API_VERSION/billpay/phonenumber-operator-circle")
     suspend fun getOperatorCircleMappingForPhoneNumber(
         @Body
         phoneNumberToOperatorCircleCodeMappingRequest: PhoneNumberToOperatorCircleCodeMappingRequest
     ): Response<GenericResponse<PhoneNumberToOperatorCircleCodeMappingResponse>>
 
+    @RetryPolicy
     @GET("/billpay-gateway/$NAVI_BBPS_API_VERSION/billpay/prepaid/plans/all")
     suspend fun fetchAllPrepaidPlans(): Response<GenericResponse<AllPrepaidPlansResponse>>
 
@@ -142,6 +148,7 @@ interface NaviBbpsRetrofitService {
     @GET("/billpay-gateway/$NAVI_BBPS_API_VERSION/billpay/reward-details")
     suspend fun getRewardDetails(): Response<GenericResponse<RewardDetailsResponse>>
 
+    @RetryPolicy
     @GET("/alchemist/inflate/{screenId}")
     suspend fun fetchAlchemistScreenUiTronConfigs(
         @Header("Accept-Encoding") acceptEncoding: String,
@@ -161,6 +168,7 @@ interface NaviBbpsRetrofitService {
         @Body category: Map<String, String> = mutableMapOf()
     ): Response<GenericResponse<RewardDetailsV2Response>>
 
+    @RetryPolicy
     @GET("gullak/v1/discount/coin")
     suspend fun fetchCoinDiscount(
         @Query("product") product: String = "BBPS"
diff --git a/android/navi-chat/src/main/java/com/navi/chat/network/retrofit/NaviChatHttpClient.kt b/android/navi-chat/src/main/java/com/navi/chat/network/retrofit/NaviChatHttpClient.kt
index 4d267f5421..8e21c00d94 100644
--- a/android/navi-chat/src/main/java/com/navi/chat/network/retrofit/NaviChatHttpClient.kt
+++ b/android/navi-chat/src/main/java/com/navi/chat/network/retrofit/NaviChatHttpClient.kt
@@ -1,6 +1,6 @@
 /*
  *
- *  * Copyright © 2020-2023 by Navi Technologies Limited
+ *  * Copyright © 2020-2025 by Navi Technologies Limited
  *  * All rights reserved. Strictly confidential
  *
  */
@@ -11,11 +11,14 @@ import android.content.Context
 import com.chuckerteam.chucker.api.ChuckerCollector
 import com.chuckerteam.chucker.api.ChuckerInterceptor
 import com.navi.chat.BuildConfig
+import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.CHAT_RETRY_INTERCEPTOR_ENABLED
 import com.navi.common.model.ModuleName
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.ApiConstants
 import com.navi.common.network.BaseHttpClient
 import com.navi.common.network.handleException
+import com.navi.common.network.retry.interceptor.RetryInterceptor
+import com.navi.common.network.retry.interceptor.isRetryInterceptorEnabled
 import java.io.IOException
 import okhttp3.*
 import okhttp3.MediaType.Companion.toMediaTypeOrNull
@@ -26,8 +29,8 @@ class NaviChatHttpClient(networkInfo: NetworkInfo, private val context: Context)
     val httpClientBuilder: OkHttpClient.Builder
         get() {
             val okHttpClientBuilder = baseHttpClientBuilder
-            if (BuildConfig.DEBUG) {
-                with(okHttpClientBuilder) {
+            with(okHttpClientBuilder) {
+                if (BuildConfig.DEBUG) {
                     addInterceptor(loggingInterceptor())
                     addInterceptor(
                         ChuckerInterceptor.Builder(context)
@@ -38,6 +41,9 @@ class NaviChatHttpClient(networkInfo: NetworkInfo, private val context: Context)
                             .build()
                     )
                 }
+                if (isRetryInterceptorEnabled(CHAT_RETRY_INTERCEPTOR_ENABLED)) {
+                    addInterceptor(RetryInterceptor())
+                }
             }
             okHttpClientBuilder.addInterceptor(customChatHeaderInterceptor)
             return okHttpClientBuilder
diff --git a/android/navi-coin/src/main/java/com/navi/coin/network/CoinHttpClient.kt b/android/navi-coin/src/main/java/com/navi/coin/network/CoinHttpClient.kt
index 311005a923..4b5a8c5436 100644
--- a/android/navi-coin/src/main/java/com/navi/coin/network/CoinHttpClient.kt
+++ b/android/navi-coin/src/main/java/com/navi/coin/network/CoinHttpClient.kt
@@ -1,6 +1,6 @@
 /*
  *
- *  * Copyright © 2024 by Navi Technologies Limited
+ *  * Copyright © 2024-2025 by Navi Technologies Limited
  *  * All rights reserved. Strictly confidential
  *
  */
@@ -11,6 +11,7 @@ import android.content.Context
 import com.chuckerteam.chucker.api.ChuckerCollector
 import com.chuckerteam.chucker.api.ChuckerInterceptor
 import com.navi.coin.BuildConfig
+import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.COIN_RETRY_INTERCEPTOR_ENABLED
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.BaseHttpClient
 import com.navi.common.network.retry.interceptor.RetryInterceptor
@@ -37,7 +38,8 @@ class CoinHttpClient(networkInfo: NetworkInfo, private val context: Context) :
                     )
                 }
             }
-            if (isRetryInterceptorEnabled()) okHttpClientBuilder.addInterceptor(RetryInterceptor())
+            if (isRetryInterceptorEnabled(COIN_RETRY_INTERCEPTOR_ENABLED))
+                okHttpClientBuilder.addInterceptor(RetryInterceptor())
             return okHttpClientBuilder
         }
 
diff --git a/android/navi-coin/src/main/java/com/navi/coin/network/RetrofitService.kt b/android/navi-coin/src/main/java/com/navi/coin/network/RetrofitService.kt
index e65b2ee368..d21f77bc31 100644
--- a/android/navi-coin/src/main/java/com/navi/coin/network/RetrofitService.kt
+++ b/android/navi-coin/src/main/java/com/navi/coin/network/RetrofitService.kt
@@ -22,9 +22,6 @@ import com.navi.common.network.models.GenericResponse
 import com.navi.common.network.retry.annotations.RetryPolicy
 import com.navi.rr.common.models.ABSettings
 import com.navi.rr.referral.models.ReferralContactList
-import java.net.ConnectException
-import java.net.SocketTimeoutException
-import java.net.UnknownHostException
 import retrofit2.Response
 import retrofit2.http.Body
 import retrofit2.http.GET
@@ -51,11 +48,7 @@ interface RetrofitService {
     ): Response<GenericResponse<TransactionHistoryResponse>>
 
     @GET("/forge/screen/{screenId}")
-    @RetryPolicy(
-        retryCount = 3,
-        retryOn =
-            [SocketTimeoutException::class, UnknownHostException::class, ConnectException::class],
-    )
+    @RetryPolicy
     suspend fun fetchScreenUiTronConfigs(
         @Header("Accept-Encoding") acceptEncoding: String,
         @Header("X-Target") target: String,
@@ -63,7 +56,7 @@ interface RetrofitService {
     ): Response<GenericResponse<ScreenDefinition>>
 
     @GET("/alchemist/inflate/{screenId}")
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     suspend fun fetchAlchemistScreenUiTronConfigs(
         @Header("Accept-Encoding") acceptEncoding: String,
         @Header("X-Target") target: String,
diff --git a/android/navi-common/src/main/java/com/navi/common/firebaseremoteconfig/FirebaseRemoteConfigHelper.kt b/android/navi-common/src/main/java/com/navi/common/firebaseremoteconfig/FirebaseRemoteConfigHelper.kt
index 194ecff363..9bd47c05bb 100644
--- a/android/navi-common/src/main/java/com/navi/common/firebaseremoteconfig/FirebaseRemoteConfigHelper.kt
+++ b/android/navi-common/src/main/java/com/navi/common/firebaseremoteconfig/FirebaseRemoteConfigHelper.kt
@@ -137,6 +137,7 @@ object FirebaseRemoteConfigHelper {
     const val LOW_NETWORK_SIGNAL_THRESHOLD = "LOW_NETWORK_SIGNAL_THRESHOLD"
     const val LOW_NETWORK_BANDWIDTH_THRESHOLD = "LOW_NETWORK_BANDWIDTH_THRESHOLD"
     const val LOW_NETWORK_SPEED_THRESHOLD = "LOW_NETWORK_SPEED_THRESHOLD"
+    const val API_RETRY_COUNT = "API_RETRY_COUNT"
 
     // GI
     const val NAVI_GI_RETRY_POLICY_ENABLED = "NAVI_GI_RETRY_POLICY_ENABLED"
@@ -210,9 +211,20 @@ object FirebaseRemoteConfigHelper {
     const val WEB_REDIRECTION_SMS_UPLOADED_DELAY_IN_MILLIS =
         "WEB_REDIRECTION_SMS_UPLOADED_DELAY_IN_MILLIS"
 
-    const val RETRY_INTERCEPTOR_ENABLED = "RETRY_INTERCEPTOR_ENABLED"
     const val ROOT_CA_ADDITION_TARGET_SDK = "ROOT_CA_ADDITION_TARGET_SDK"
 
+    // Api Retry constants
+    const val RETRY_INTERCEPTOR_ENABLED = "RETRY_INTERCEPTOR_ENABLED"
+    const val UPI_RETRY_INTERCEPTOR_ENABLED = "UPI_RETRY_INTERCEPTOR_ENABLED"
+    const val BBPS_RETRY_INTERCEPTOR_ENABLED = "BBPS_RETRY_INTERCEPTOR_ENABLED"
+    const val CHAT_RETRY_INTERCEPTOR_ENABLED = "CHAT_RETRY_INTERCEPTOR_ENABLED"
+    const val AP_RETRY_INTERCEPTOR_ENABLED = "AP_RETRY_INTERCEPTOR_ENABLED"
+    const val RR_RETRY_INTERCEPTOR_ENABLED = "RR_RETRY_INTERCEPTOR_ENABLED"
+    const val CYCS_RETRY_INTERCEPTOR_ENABLED = "CYCS_RETRY_INTERCEPTOR_ENABLED"
+    const val COIN_RETRY_INTERCEPTOR_ENABLED = "COIN_RETRY_INTERCEPTOR_ENABLED"
+    const val HP_RETRY_INTERCEPTOR_ENABLED = "HP_RETRY_INTERCEPTOR_ENABLED"
+    const val MM_RETRY_INTERCEPTOR_ENABLED = "MM_RETRY_INTERCEPTOR_ENABLED"
+
     const val ANR_MONITOR_ENABLED_EXPERIMENT = "ANR_MONITOR_ENABLED_EXPERIMENT"
 
     // Rewards X-target migration configs
diff --git a/android/navi-common/src/main/java/com/navi/common/network/retrofit/CommonHttpClient.kt b/android/navi-common/src/main/java/com/navi/common/network/retrofit/CommonHttpClient.kt
index 8c7234af53..ecc88722a2 100644
--- a/android/navi-common/src/main/java/com/navi/common/network/retrofit/CommonHttpClient.kt
+++ b/android/navi-common/src/main/java/com/navi/common/network/retrofit/CommonHttpClient.kt
@@ -1,6 +1,6 @@
 /*
  *
- *  * Copyright © 2021-2022 by Navi Technologies Limited
+ *  * Copyright © 2021-2025 by Navi Technologies Limited
  *  * All rights reserved. Strictly confidential
  *
  */
@@ -13,6 +13,8 @@ import com.chuckerteam.chucker.api.ChuckerInterceptor
 import com.navi.common.BuildConfig
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.BaseHttpClient
+import com.navi.common.network.retry.interceptor.RetryInterceptor
+import com.navi.common.network.retry.interceptor.isRetryInterceptorEnabled
 import okhttp3.Interceptor
 import okhttp3.OkHttpClient
 import okhttp3.logging.HttpLoggingInterceptor
@@ -22,8 +24,8 @@ class CommonHttpClient(networkInfo: NetworkInfo, private val context: Context) :
     val httpClientBuilder: OkHttpClient.Builder
         get() {
             val okHttpClientBuilder = baseHttpClientBuilder
-            if (BuildConfig.DEBUG) {
-                with(okHttpClientBuilder) {
+            with(okHttpClientBuilder) {
+                if (BuildConfig.DEBUG) {
                     addInterceptor(loggingInterceptor())
                     addInterceptor(
                         ChuckerInterceptor.Builder(context)
@@ -34,6 +36,9 @@ class CommonHttpClient(networkInfo: NetworkInfo, private val context: Context) :
                             .build()
                     )
                 }
+                if (isRetryInterceptorEnabled()) {
+                    addInterceptor(RetryInterceptor())
+                }
             }
 
             return okHttpClientBuilder
diff --git a/android/navi-common/src/main/java/com/navi/common/network/retry/annotations/RetryPolicy.kt b/android/navi-common/src/main/java/com/navi/common/network/retry/annotations/RetryPolicy.kt
index 0d26f05781..d26c538209 100644
--- a/android/navi-common/src/main/java/com/navi/common/network/retry/annotations/RetryPolicy.kt
+++ b/android/navi-common/src/main/java/com/navi/common/network/retry/annotations/RetryPolicy.kt
@@ -8,8 +8,11 @@
 package com.navi.common.network.retry.annotations
 
 import java.net.ConnectException
+import java.net.SocketException
 import java.net.SocketTimeoutException
 import java.net.UnknownHostException
+import javax.net.ssl.SSLHandshakeException
+import javax.net.ssl.SSLPeerUnverifiedException
 import kotlin.reflect.KClass
 
 /**
@@ -21,12 +24,19 @@ import kotlin.reflect.KClass
  * @property retryCount The number of times the function should be retried upon failure. Default
  *   is 0.
  * @property retryOn An array of exception classes that should trigger a retry. Defaults are
- *   [SocketTimeoutException::class, UnknownHostException::class, ConnectException::class].
+ *   [SocketTimeoutException::class, UnknownHostException::class, ConnectException::class, SSLPeerUnverifiedException::class, SocketException::class].
  */
 @Target(AnnotationTarget.FUNCTION)
 @Retention(AnnotationRetention.RUNTIME)
 annotation class RetryPolicy(
-    val retryCount: Int = 1,
+    val retryCount: Int = -1,
     val retryOn: Array<KClass<out Exception>> =
-        [SocketTimeoutException::class, UnknownHostException::class, ConnectException::class],
+        [
+            SocketTimeoutException::class,
+            UnknownHostException::class,
+            ConnectException::class,
+            SSLHandshakeException::class,
+            SSLPeerUnverifiedException::class,
+            SocketException::class,
+        ],
 )
diff --git a/android/navi-common/src/main/java/com/navi/common/network/retry/interceptor/RetryInterceptor.kt b/android/navi-common/src/main/java/com/navi/common/network/retry/interceptor/RetryInterceptor.kt
index 4b06533439..01bd6e7c20 100644
--- a/android/navi-common/src/main/java/com/navi/common/network/retry/interceptor/RetryInterceptor.kt
+++ b/android/navi-common/src/main/java/com/navi/common/network/retry/interceptor/RetryInterceptor.kt
@@ -9,9 +9,9 @@ package com.navi.common.network.retry.interceptor
 
 import com.navi.base.utils.isNotNull
 import com.navi.base.utils.isNull
-import com.navi.base.utils.orFalse
 import com.navi.base.utils.orZero
 import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper
+import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.API_RETRY_COUNT
 import com.navi.common.network.retry.annotations.RetryPolicy
 import com.navi.common.network.retry.utils.RetryManager
 import com.navi.common.utils.CommonNaviAnalytics
@@ -33,7 +33,7 @@ class RetryInterceptor : Interceptor {
 
     override fun intercept(chain: Interceptor.Chain): Response {
         val request = chain.request()
-        val tag = request.getAnnotation<RetryPolicy>() ?: return chain.proceed(request)
+        val tag = getRequestRetryTag(request) ?: return chain.proceed(request)
         return handleRetryableRequest(chain, request, tag)
     }
 
@@ -112,11 +112,32 @@ class RetryInterceptor : Interceptor {
 
     private fun shouldRetry(tag: RetryPolicy, exception: Exception) =
         tag.retryOn.any { it.isInstance(exception) }
+
+    /**
+     * Retrieves the retry policy for a given request.
+     *
+     * This method checks if the request is annotated with a `RetryPolicy`. If the annotation is
+     * present, it uses the defined retry count or fetches the retry count from Firebase Remote
+     * Config. If no retry policy is defined, the method returns null.
+     *
+     * @param request The request for which the retry policy is to be retrieved.
+     * @return A `RetryPolicy` object if the request is retryable, or null if no retry policy is
+     *   defined.
+     */
+    private fun getRequestRetryTag(request: Request): RetryPolicy? {
+        val retryPolicy = request.getAnnotation<RetryPolicy>() ?: return null
+        val retryCount =
+            if (retryPolicy.retryCount > 0) {
+                retryPolicy.retryCount
+            } else {
+                FirebaseRemoteConfigHelper.getLong(API_RETRY_COUNT, 1L).toInt()
+            }
+        return RetryPolicy(retryCount = retryCount, retryOn = retryPolicy.retryOn)
+    }
 }
 
-fun isRetryInterceptorEnabled(): Boolean {
-    return FirebaseRemoteConfigHelper.getBoolean(
-            FirebaseRemoteConfigHelper.RETRY_INTERCEPTOR_ENABLED
-        )
-        .orFalse()
+fun isRetryInterceptorEnabled(
+    key: String = FirebaseRemoteConfigHelper.RETRY_INTERCEPTOR_ENABLED
+): Boolean {
+    return FirebaseRemoteConfigHelper.getBoolean(key)
 }
diff --git a/android/navi-cycs/src/main/kotlin/com/navi/cycs/network/CycsHttpClient.kt b/android/navi-cycs/src/main/kotlin/com/navi/cycs/network/CycsHttpClient.kt
index bb3dc74740..e460357fcd 100644
--- a/android/navi-cycs/src/main/kotlin/com/navi/cycs/network/CycsHttpClient.kt
+++ b/android/navi-cycs/src/main/kotlin/com/navi/cycs/network/CycsHttpClient.kt
@@ -1,6 +1,6 @@
 /*
  *
- *  * Copyright © 2024 by Navi Technologies Limited
+ *  * Copyright © 2024-2025 by Navi Technologies Limited
  *  * All rights reserved. Strictly confidential
  *
  */
@@ -10,8 +10,11 @@ package com.navi.cycs.network
 import android.content.Context
 import com.chuckerteam.chucker.api.ChuckerCollector
 import com.chuckerteam.chucker.api.ChuckerInterceptor
+import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.CYCS_RETRY_INTERCEPTOR_ENABLED
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.BaseHttpClient
+import com.navi.common.network.retry.interceptor.RetryInterceptor
+import com.navi.common.network.retry.interceptor.isRetryInterceptorEnabled
 import com.navi.cycs.BuildConfig
 import okhttp3.OkHttpClient
 import okhttp3.logging.HttpLoggingInterceptor
@@ -21,8 +24,8 @@ class CycsHttpClient(val networkInfo: NetworkInfo, private val context: Context)
     val httpClientBuilder: OkHttpClient.Builder
         get() {
             val okHttpClientBuilder = baseHttpClientBuilder
-            if (BuildConfig.DEBUG) {
-                with(okHttpClientBuilder) {
+            with(okHttpClientBuilder) {
+                if (BuildConfig.DEBUG) {
                     addInterceptor(loggingInterceptor())
                     addInterceptor(
                         ChuckerInterceptor.Builder(context)
@@ -33,6 +36,9 @@ class CycsHttpClient(val networkInfo: NetworkInfo, private val context: Context)
                             .build()
                     )
                 }
+                if (isRetryInterceptorEnabled(CYCS_RETRY_INTERCEPTOR_ENABLED)) {
+                    addInterceptor(RetryInterceptor())
+                }
             }
             return okHttpClientBuilder
         }
diff --git a/android/navi-gold/src/main/java/com/navi/gold/retrofit/NaviHttpClient.kt b/android/navi-gold/src/main/java/com/navi/gold/retrofit/NaviHttpClient.kt
index 178aeed32c..eabfaeaed4 100644
--- a/android/navi-gold/src/main/java/com/navi/gold/retrofit/NaviHttpClient.kt
+++ b/android/navi-gold/src/main/java/com/navi/gold/retrofit/NaviHttpClient.kt
@@ -10,7 +10,6 @@ package com.navi.gold.retrofit
 import android.content.Context
 import com.chuckerteam.chucker.api.ChuckerCollector
 import com.chuckerteam.chucker.api.ChuckerInterceptor
-import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper
 import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.NAVI_GOLD_RETRY_POLICY_ENABLED
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.BaseHttpClient
@@ -39,10 +38,7 @@ class NaviHttpClient(networkInfo: NetworkInfo, private val context: Context) :
                 }
             }
 
-            if (
-                isRetryInterceptorEnabled() &&
-                    FirebaseRemoteConfigHelper.getBoolean(NAVI_GOLD_RETRY_POLICY_ENABLED)
-            ) {
+            if (isRetryInterceptorEnabled(NAVI_GOLD_RETRY_POLICY_ENABLED)) {
                 okHttpClientBuilder.addInterceptor(RetryInterceptor())
             }
 
diff --git a/android/navi-gold/src/main/java/com/navi/gold/retrofit/RetrofitService.kt b/android/navi-gold/src/main/java/com/navi/gold/retrofit/RetrofitService.kt
index 32209e3dd9..b59b903d29 100644
--- a/android/navi-gold/src/main/java/com/navi/gold/retrofit/RetrofitService.kt
+++ b/android/navi-gold/src/main/java/com/navi/gold/retrofit/RetrofitService.kt
@@ -51,6 +51,7 @@ interface RetrofitService {
     @GET("/kuber/home/sub-widgets")
     suspend fun getDigitalGoldHomePolling(): Response<GenericResponse<WidgetResponse>>
 
+    @RetryPolicy
     @GET("/kuber/order/get-sell-page-content")
     suspend fun getDigitalGoldSellPage(
         @Query("vendorKey") vendorKey: String?
@@ -62,13 +63,13 @@ interface RetrofitService {
     ): Response<GenericResponse<WidgetResponse>>
 
     @GET("/kuber/sip/setup-sip-page-content")
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     suspend fun getDigitalGoldSetupSipPage(
         @QueryMap params: Map<String, String>
     ): Response<GenericResponse<WidgetResponse>>
 
     @GET("/kuber/transactions/transaction-history-page-content")
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     suspend fun fetchDigitalGoldTransactionHistory(
         @QueryMap params: Map<String, String>
     ): Response<GenericResponse<WidgetResponse>>
@@ -98,6 +99,7 @@ interface RetrofitService {
         @Path("requestId") requestId: String?
     ): Response<GenericResponse<KycCheckPollingResponse>>
 
+    @RetryPolicy
     @POST("/kuber/kyc/get-kyc-buy-api-decider")
     suspend fun getGoldBuyNextPageCta(
         @Body goldKycVerifyRequest: GoldKycPageRequest?
@@ -114,13 +116,13 @@ interface RetrofitService {
     ): Response<GenericResponse<WidgetResponse>>
 
     @GET("/kuber/home/get-home-content")
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     suspend fun getDigitalGoldHome(
         @QueryMap params: Map<String, String>
     ): Response<GenericResponse<WidgetResponse>>
 
     @POST("/kuber/order/sell")
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     suspend fun getDigitalGoldSellOrder(
         @Body goldSellOrderRequest: GoldSellOrderRequest
     ): Response<GenericResponse<GoldSellOrderResponse>>
@@ -151,7 +153,7 @@ interface RetrofitService {
     ): Response<GenericResponse<DigitalGoldActionCheckResponse>>
 
     @GET("/kuber/order/payment-details/get-upi-page-content")
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     suspend fun fetchDigitalGoldSellUpiScreenData(
         @Query("exchangeRateId") exchangeRateId: String,
         @Query("amount") amount: Double,
@@ -165,6 +167,7 @@ interface RetrofitService {
     @GET("/kuber/home/get-gold-blocked-page")
     suspend fun getKuberBlockerPageDetails(): Response<GenericResponse<ActionCheckResponse>>
 
+    @RetryPolicy
     @GET("/csat/{featureName}")
     suspend fun fetchDigitalGoldCsatResponse(
         @Path("featureName") featureName: String?,
@@ -217,6 +220,7 @@ interface RetrofitService {
     @GET("/kuber/bank/bank-search-page")
     suspend fun fetchBankSearchPage(): Response<GenericResponse<SearchBankResponse>>
 
+    @RetryPolicy
     @GET("/kuber/sip/setup-sip-bottomsheet")
     suspend fun fetchSetupSipBottomSheet(
         @QueryMap params: Map<String, String?>
@@ -237,6 +241,7 @@ interface RetrofitService {
         @Query("requestId") requestId: String
     ): Response<GenericResponse<DgSipStatusResponse>>
 
+    @RetryPolicy
     @POST("/kuber/order/v2/buy")
     suspend fun getDigitalGoldBuyOrderV2(
         @Body goldBuyOrderRequest: GoldBuyOrderRequest
diff --git a/android/navi-insurance/src/main/java/com/navi/insurance/network/retrofit/GIHttpClient.kt b/android/navi-insurance/src/main/java/com/navi/insurance/network/retrofit/GIHttpClient.kt
index 2bdd8199cf..42b53fd4f0 100644
--- a/android/navi-insurance/src/main/java/com/navi/insurance/network/retrofit/GIHttpClient.kt
+++ b/android/navi-insurance/src/main/java/com/navi/insurance/network/retrofit/GIHttpClient.kt
@@ -10,7 +10,6 @@ package com.navi.insurance.network.retrofit
 import android.content.Context
 import com.chuckerteam.chucker.api.ChuckerCollector
 import com.chuckerteam.chucker.api.ChuckerInterceptor
-import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper
 import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.NAVI_GI_RETRY_POLICY_ENABLED
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.BaseHttpClient
@@ -38,10 +37,7 @@ class GIHttpClient(networkInfo: NetworkInfo, private val context: Context) :
                     )
                 }
             }
-            if (
-                isRetryInterceptorEnabled() &&
-                    FirebaseRemoteConfigHelper.getBoolean(NAVI_GI_RETRY_POLICY_ENABLED)
-            ) {
+            if (isRetryInterceptorEnabled(NAVI_GI_RETRY_POLICY_ENABLED)) {
                 okHttpClientBuilder.addInterceptor(RetryInterceptor())
             }
             return okHttpClientBuilder
diff --git a/android/navi-insurance/src/main/java/com/navi/insurance/network/retrofit/RetrofitService.kt b/android/navi-insurance/src/main/java/com/navi/insurance/network/retrofit/RetrofitService.kt
index 95615a0382..092701223a 100644
--- a/android/navi-insurance/src/main/java/com/navi/insurance/network/retrofit/RetrofitService.kt
+++ b/android/navi-insurance/src/main/java/com/navi/insurance/network/retrofit/RetrofitService.kt
@@ -712,6 +712,7 @@ interface RetrofitService {
     @GET("/claims-origination/customer/activity/v2")
     suspend fun fetchClaimsActivitiesList(): Response<GenericResponse<GenericWidgetResponse>>
 
+    @RetryPolicy
     @GET("/pre-quotes")
     suspend fun fetchPreQuoteForm(
         @Query("applicationType") applicationType: String
@@ -986,12 +987,14 @@ interface RetrofitService {
         @Body policyMembersRequest: PolicyMembersRequest,
     ): Response<GenericResponse<PolicyMembersResponse>>
 
+    @RetryPolicy
     @POST("/journeys/question-journey")
     suspend fun fetchHrcHomepageAndQuestions(
         @Query("type") type: String,
         @Query("isFreeInsurance") isFreeInsurance: Boolean,
     ): Response<GenericResponse<HomeAndQuestionResponse>>
 
+    @RetryPolicy
     @POST("/health-risk-scores")
     suspend fun fetchHrsDetailsWithQuesData(
         @Body questionSubmissionRequest: QuestionSubmissionRequest
@@ -1171,6 +1174,7 @@ interface RetrofitService {
         @Body details: PolicyIncompleteMemberDetails? = null,
     ): Response<GenericResponse<CtaData>>
 
+    @RetryPolicy
     @GET("/journeys/quiz-journey")
     suspend fun fetchQuestionnaire(): Response<GenericResponse<QuestionnaireResponse>>
 
@@ -1197,7 +1201,7 @@ interface RetrofitService {
     @GET("/hi-quiz-scores")
     suspend fun fetchQuizResult(): Response<GenericResponse<QuizResultResponse>>
 
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     @PATCH("/pre-quotes/{preQuoteId}/transitions/{transitionName}")
     suspend fun nextPagePreQuote(
         @Path("preQuoteId") preQuoteId: String,
@@ -1205,7 +1209,7 @@ interface RetrofitService {
         @Body formNextPageRequest: FormWidgetRequest,
     ): Response<GenericResponse<PreQuotePatchResponse>>
 
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     @GET("/pre-quotes/{preQuoteId}")
     suspend fun fetchFormPageWithPreQuoteId(
         @Path("preQuoteId") preQuoteId: String,
@@ -1213,21 +1217,21 @@ interface RetrofitService {
         @Query("applicationId") applicationId: String? = null,
     ): Response<GenericResponse<PreQuoteJourneyPageResponse>>
 
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     @POST("/pre-quotes")
     suspend fun fetchPreQuoteFormWithApplicationType(
         @Query("applicationType") applicationType: String,
         @Body formNextPageRequest: FormWidgetRequest,
     ): Response<GenericResponse<PreQuoteJourneyPageResponse>>
 
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     @GET("/pre-quotes")
     suspend fun fetchPreQuoteJourney(
         @Query("applicationType") applicationType: String,
         @Query("applicationId") applicationId: String? = null,
     ): Response<GenericResponse<PreQuoteJourneyPageResponse>>
 
-    @RetryPolicy(retryCount = 3)
+    @RetryPolicy
     @POST("/quotes/{quoteId}/pages/{pageType}")
     suspend fun fetchFormPageWithQuoteId(
         @Path("quoteId") quoteId: String,
diff --git a/android/navi-money-manager/src/main/kotlin/com/navi/moneymanager/common/network/HttpClient.kt b/android/navi-money-manager/src/main/kotlin/com/navi/moneymanager/common/network/HttpClient.kt
index 99e46d6de3..9f3b713c1f 100644
--- a/android/navi-money-manager/src/main/kotlin/com/navi/moneymanager/common/network/HttpClient.kt
+++ b/android/navi-money-manager/src/main/kotlin/com/navi/moneymanager/common/network/HttpClient.kt
@@ -1,6 +1,6 @@
 /*
  *
- *  * Copyright © 2024 by Navi Technologies Limited
+ *  * Copyright © 2024-2025 by Navi Technologies Limited
  *  * All rights reserved. Strictly confidential
  *
  */
@@ -10,8 +10,11 @@ package com.navi.moneymanager.common.network
 import android.content.Context
 import com.chuckerteam.chucker.api.ChuckerCollector
 import com.chuckerteam.chucker.api.ChuckerInterceptor
+import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.MM_RETRY_INTERCEPTOR_ENABLED
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.BaseHttpClient
+import com.navi.common.network.retry.interceptor.RetryInterceptor
+import com.navi.common.network.retry.interceptor.isRetryInterceptorEnabled
 import com.navi.moneymanager.BuildConfig
 import okhttp3.OkHttpClient
 import okhttp3.logging.HttpLoggingInterceptor
@@ -21,8 +24,8 @@ class HttpClient(val networkInfo: NetworkInfo, private val context: Context) :
     val httpClientBuilder: OkHttpClient.Builder
         get() {
             val okHttpClientBuilder = baseHttpClientBuilder
-            if (BuildConfig.DEBUG) {
-                with(okHttpClientBuilder) {
+            with(okHttpClientBuilder) {
+                if (BuildConfig.DEBUG) {
                     addInterceptor(loggingInterceptor())
                     addInterceptor(
                         ChuckerInterceptor.Builder(context)
@@ -33,6 +36,9 @@ class HttpClient(val networkInfo: NetworkInfo, private val context: Context) :
                             .build()
                     )
                 }
+                if (isRetryInterceptorEnabled(MM_RETRY_INTERCEPTOR_ENABLED)) {
+                    addInterceptor(RetryInterceptor())
+                }
             }
             return okHttpClientBuilder
         }
diff --git a/android/navi-money-manager/src/main/kotlin/com/navi/moneymanager/common/network/service/RetrofitService.kt b/android/navi-money-manager/src/main/kotlin/com/navi/moneymanager/common/network/service/RetrofitService.kt
index d9a7974ae4..51061ae2a6 100644
--- a/android/navi-money-manager/src/main/kotlin/com/navi/moneymanager/common/network/service/RetrofitService.kt
+++ b/android/navi-money-manager/src/main/kotlin/com/navi/moneymanager/common/network/service/RetrofitService.kt
@@ -20,7 +20,6 @@ import com.navi.moneymanager.common.network.model.OnboardingStatusResponse
 import com.navi.moneymanager.common.network.model.PollingStatusResponse
 import com.navi.moneymanager.common.network.model.RefreshDataResponse
 import com.navi.moneymanager.common.network.model.TransactionResponse
-import com.navi.moneymanager.common.utils.Constants.API_RETRY_COUNT
 import com.navi.moneymanager.postonboard.monthlysummary.model.PostCategoryTransactionData
 import retrofit2.Response
 import retrofit2.http.Body
@@ -33,7 +32,7 @@ import retrofit2.http.Query
 
 interface RetrofitService {
 
-    @RetryPolicy(retryCount = API_RETRY_COUNT)
+    @RetryPolicy
     @GET("/money-manager/core/transactions")
     suspend fun fetchTransactions(
         @Query("from") from: Long,
@@ -42,27 +41,27 @@ interface RetrofitService {
         @Query("queryBy") queryBy: String,
     ): Response<GenericResponse<TransactionResponse>>
 
-    @RetryPolicy(retryCount = API_RETRY_COUNT)
+    @RetryPolicy
     @GET("/money-manager/core/user-onboarded")
     suspend fun fetchUserOnboardingStatus(): Response<GenericResponse<OnboardingStatusResponse>>
 
-    @RetryPolicy(retryCount = API_RETRY_COUNT)
+    @RetryPolicy
     @GET("/alchemist/inflate/{screenName}")
     suspend fun fetchAlchemistScreen(
         @Path("screenName") screenName: String
     ): Response<GenericResponse<AlchemistScreenDefinition>>
 
-    @RetryPolicy(retryCount = API_RETRY_COUNT)
+    @RetryPolicy
     @GET("/money-manager/core/config")
     suspend fun fetchMMConfigResponse(): Response<GenericResponse<MMConfigResponse>>
 
-    @RetryPolicy(retryCount = API_RETRY_COUNT)
+    @RetryPolicy
     @POST("/money-manager/core/init-onboarding")
     suspend fun fetchFinarkeinSDKInitData(
         @Body emptyBody: EmptyRequestBody = EmptyRequestBody()
     ): Response<GenericResponse<FinarkeinDataResponse>>
 
-    @RetryPolicy(retryCount = API_RETRY_COUNT)
+    @RetryPolicy
     @GET("/money-manager/core/accounts")
     suspend fun fetchUserAccounts(): Response<GenericResponse<AccountDetailResponse>>
 
diff --git a/android/navi-pay/src/main/kotlin/com/navi/pay/network/NaviPayHttpClient.kt b/android/navi-pay/src/main/kotlin/com/navi/pay/network/NaviPayHttpClient.kt
index abd941faa0..1d2e8e078f 100644
--- a/android/navi-pay/src/main/kotlin/com/navi/pay/network/NaviPayHttpClient.kt
+++ b/android/navi-pay/src/main/kotlin/com/navi/pay/network/NaviPayHttpClient.kt
@@ -1,6 +1,6 @@
 /*
  *
- *  * Copyright © 2022-2024 by Navi Technologies Limited
+ *  * Copyright © 2022-2025 by Navi Technologies Limited
  *  * All rights reserved. Strictly confidential
  *
  */
@@ -10,9 +10,12 @@ package com.navi.pay.network
 import android.content.Context
 import com.chuckerteam.chucker.api.ChuckerCollector
 import com.chuckerteam.chucker.api.ChuckerInterceptor
+import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.UPI_RETRY_INTERCEPTOR_ENABLED
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.BaseHttpClient
 import com.navi.common.network.NAVI_DNS
+import com.navi.common.network.retry.interceptor.RetryInterceptor
+import com.navi.common.network.retry.interceptor.isRetryInterceptorEnabled
 import com.navi.common.utils.TemporaryStorageHelper
 import com.navi.pay.BuildConfig
 import okhttp3.OkHttpClient
@@ -23,8 +26,8 @@ class NaviPayHttpClient(val networkInfo: NetworkInfo, val context: Context) :
     val httpClientBuilder: OkHttpClient.Builder
         get() {
             val okHttpClientBuilder = baseHttpClientBuilder
-            if (BuildConfig.DEBUG) {
-                with(okHttpClientBuilder) {
+            with(okHttpClientBuilder) {
+                if (BuildConfig.DEBUG) {
                     addInterceptor(loggingInterceptor())
                     addInterceptor(
                         ChuckerInterceptor.Builder(context)
@@ -35,8 +38,9 @@ class NaviPayHttpClient(val networkInfo: NetworkInfo, val context: Context) :
                             .build()
                     )
                 }
-            }
-            with(okHttpClientBuilder) {
+                if (isRetryInterceptorEnabled(UPI_RETRY_INTERCEPTOR_ENABLED)) {
+                    addInterceptor(RetryInterceptor())
+                }
                 if (TemporaryStorageHelper.isOkHttpCustomDnsV2Enabled) {
                     dns(NAVI_DNS)
                 }
diff --git a/android/navi-pay/src/main/kotlin/com/navi/pay/network/retrofit/NaviPayRetrofitService.kt b/android/navi-pay/src/main/kotlin/com/navi/pay/network/retrofit/NaviPayRetrofitService.kt
index 41c7c59a7f..945a176eea 100644
--- a/android/navi-pay/src/main/kotlin/com/navi/pay/network/retrofit/NaviPayRetrofitService.kt
+++ b/android/navi-pay/src/main/kotlin/com/navi/pay/network/retrofit/NaviPayRetrofitService.kt
@@ -8,6 +8,7 @@
 package com.navi.pay.network.retrofit
 
 import com.navi.common.network.models.GenericResponse
+import com.navi.common.network.retry.annotations.RetryPolicy
 import com.navi.pay.common.model.network.RequestIdResponse
 import com.navi.pay.common.model.network.ValidateVpaRequest
 import com.navi.pay.common.model.network.ValidateVpaResponse
@@ -109,6 +110,7 @@ interface NaviPayRetrofitService {
         private const val NAVI_PAY_API_VERSION3 = "v3"
     }
 
+    @RetryPolicy
     @POST("/gateway-service/$NAVI_PAY_API_VERSION/navipay/customer")
     suspend fun getCustomer(
         @Body customerRequest: CustomerRequest
@@ -119,6 +121,7 @@ interface NaviPayRetrofitService {
         @Body bankListRequest: BankListRequest
     ): Response<GenericResponse<BankListResponse>>
 
+    @RetryPolicy
     @POST("/gateway-service/$NAVI_PAY_API_VERSION/navipay/banks/fetch-accounts")
     suspend fun getBankAccounts(
         @Body fetchAccountsRequest: FetchAccountsRequest
@@ -187,14 +190,17 @@ interface NaviPayRetrofitService {
         @Body npciTokenRequest: NpciTokenRequest
     ): Response<GenericResponse<NpciTokenResponse>>
 
+    @RetryPolicy
     @GET("/gateway-service/$NAVI_PAY_API_VERSION/navipay/npci/key")
     suspend fun fetchNpciKeys(): Response<GenericResponse<NpciKeysResponse>>
 
+    @RetryPolicy
     @POST("/gateway-service/$NAVI_PAY_API_VERSION/navipay/account/balance")
     suspend fun checkBalance(
         @Body checkBalanceRequest: CheckBalanceRequest
     ): Response<GenericResponse<CheckBalanceResponse>>
 
+    @RetryPolicy
     @POST("/gateway-service/navipay/$NAVI_PAY_API_VERSION3/txn/sendMoney")
     suspend fun sendMoney(
         @Body sendMoneyRequest: SendMoneyRequest
@@ -205,6 +211,7 @@ interface NaviPayRetrofitService {
         @Body mandateListRequest: MandateListRequest
     ): Response<GenericResponse<MandateListResponse>>
 
+    @RetryPolicy
     @POST("/gateway-service/navipay/$NAVI_PAY_API_VERSION/vpa/validate")
     suspend fun validateVpa(
         @Body validateVpaRequest: ValidateVpaRequest
@@ -318,6 +325,7 @@ interface NaviPayRetrofitService {
     @GET("/gateway-service/$NAVI_PAY_API_VERSION/navipay/requestId/fetch/list")
     suspend fun getRequestIdList(): Response<GenericResponse<RequestIdResponse>>
 
+    @RetryPolicy
     @POST("/gateway-service/$NAVI_PAY_API_VERSION/navipay/phone-number/vpa")
     suspend fun payToContact(
         @Body payToContactRequest: PayToContactRequest
diff --git a/android/navi-payment/src/main/java/com/navi/payment/network/retrofit/NaviPaymentsHttpClient.kt b/android/navi-payment/src/main/java/com/navi/payment/network/retrofit/NaviPaymentsHttpClient.kt
index d7a316c928..d107914558 100644
--- a/android/navi-payment/src/main/java/com/navi/payment/network/retrofit/NaviPaymentsHttpClient.kt
+++ b/android/navi-payment/src/main/java/com/navi/payment/network/retrofit/NaviPaymentsHttpClient.kt
@@ -10,7 +10,6 @@ package com.navi.payment.network.retrofit
 import android.content.Context
 import com.chuckerteam.chucker.api.ChuckerCollector
 import com.chuckerteam.chucker.api.ChuckerInterceptor
-import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper
 import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.NAVI_PMT_RETRY_POLICY_ENABLED
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.BaseHttpClient
@@ -27,10 +26,7 @@ class NaviPaymentsHttpClient(networkInfo: NetworkInfo, private val context: Cont
     val httpClientBuilder: OkHttpClient.Builder
         get() {
             val okHttpClientBuilder = baseHttpClientBuilder
-            if (
-                isRetryInterceptorEnabled() &&
-                    FirebaseRemoteConfigHelper.getBoolean(NAVI_PMT_RETRY_POLICY_ENABLED)
-            ) {
+            if (isRetryInterceptorEnabled(NAVI_PMT_RETRY_POLICY_ENABLED)) {
                 okHttpClientBuilder.addInterceptor(RetryInterceptor())
             }
             return okHttpClientBuilder
diff --git a/android/navi-payment/src/main/java/com/navi/payment/network/retrofit/RetrofitService.kt b/android/navi-payment/src/main/java/com/navi/payment/network/retrofit/RetrofitService.kt
index 3279111b33..1451ab4332 100644
--- a/android/navi-payment/src/main/java/com/navi/payment/network/retrofit/RetrofitService.kt
+++ b/android/navi-payment/src/main/java/com/navi/payment/network/retrofit/RetrofitService.kt
@@ -25,11 +25,6 @@ import com.navi.payment.paymentscreen.model.ValidateVPAResponse
 import com.navi.payment.turbocheckout.model.PaymentScreenResponse
 import com.navi.payment.utils.Constants.PAYMENT_SDK_VERSION
 import com.navi.paymentclients.model.InitiatePaymentRequest
-import java.net.ConnectException
-import java.net.SocketTimeoutException
-import java.net.UnknownHostException
-import javax.net.ssl.SSLHandshakeException
-import javax.net.ssl.SSLPeerUnverifiedException
 import org.json.JSONObject
 import retrofit2.Response
 import retrofit2.http.Body
@@ -80,6 +75,7 @@ interface RetrofitService {
     ): Response<GenericResponse<SyncPaymentResponse>>
 
     // get ui-tron response
+    @RetryPolicy
     @POST("/api/v2/get-methods")
     suspend fun getPaymentMethodsV2(
         @Header("X-Payment-SDK-Token") token: String?,
@@ -98,17 +94,7 @@ interface RetrofitService {
 
     // Pay button
     @POST("/api/v1/paynow")
-    @RetryPolicy(
-        retryCount = 3,
-        retryOn =
-            [
-                SocketTimeoutException::class,
-                UnknownHostException::class,
-                ConnectException::class,
-                SSLHandshakeException::class,
-                SSLPeerUnverifiedException::class,
-            ],
-    )
+    @RetryPolicy
     suspend fun postPayNow(
         @Header("X-Payment-SDK-Token") token: String?,
         @Header("X-Target") xTarget: String,
@@ -141,17 +127,7 @@ interface RetrofitService {
 
     // transaction status
     @POST("/api/v1/transaction/status")
-    @RetryPolicy(
-        retryCount = 3,
-        retryOn =
-            [
-                SocketTimeoutException::class,
-                UnknownHostException::class,
-                ConnectException::class,
-                SSLHandshakeException::class,
-                SSLPeerUnverifiedException::class,
-            ],
-    )
+    @RetryPolicy
     suspend fun fetchTransactionStatus(
         @Header("X-Payment-SDK-Token") token: String,
         @Header("X-Payment-SDK-Version")
@@ -177,6 +153,7 @@ interface RetrofitService {
         @Header("X-Payment-SDK-Version") paymentSdkVersion: String = PAYMENT_SDK_VERSION,
     ): Response<GenericResponse<Any>>
 
+    @RetryPolicy
     @POST("/api/v2/get-methods")
     suspend fun getPaymentScreenResponse(
         @Header("X-Payment-SDK-Token") token: String?,
@@ -186,17 +163,7 @@ interface RetrofitService {
     ): Response<GenericResponse<PaymentScreenResponse>>
 
     @POST("api/v1/one-time-payment/get-methods")
-    @RetryPolicy(
-        retryCount = 3,
-        retryOn =
-            [
-                SocketTimeoutException::class,
-                UnknownHostException::class,
-                ConnectException::class,
-                SSLHandshakeException::class,
-                SSLPeerUnverifiedException::class,
-            ],
-    )
+    @RetryPolicy
     suspend fun fetchScreenData(
         @Header("X-Payment-SDK-Token") token: String?,
         @Header("X-Payment-SDK-Version") paymentSdkVersion: String,
diff --git a/android/navi-rr/src/main/java/com/navi/rr/common/network/retrofit/NaviHttpClient.kt b/android/navi-rr/src/main/java/com/navi/rr/common/network/retrofit/NaviHttpClient.kt
index efad76184b..65ee4d57be 100644
--- a/android/navi-rr/src/main/java/com/navi/rr/common/network/retrofit/NaviHttpClient.kt
+++ b/android/navi-rr/src/main/java/com/navi/rr/common/network/retrofit/NaviHttpClient.kt
@@ -1,6 +1,6 @@
 /*
  *
- *  * Copyright © 2023-2024 by Navi Technologies Limited
+ *  * Copyright © 2023-2025 by Navi Technologies Limited
  *  * All rights reserved. Strictly confidential
  *
  */
@@ -10,8 +10,11 @@ package com.navi.rr.common.network.retrofit
 import android.content.Context
 import com.chuckerteam.chucker.api.ChuckerCollector
 import com.chuckerteam.chucker.api.ChuckerInterceptor
+import com.navi.common.firebaseremoteconfig.FirebaseRemoteConfigHelper.RR_RETRY_INTERCEPTOR_ENABLED
 import com.navi.common.model.NetworkInfo
 import com.navi.common.network.BaseHttpClient
+import com.navi.common.network.retry.interceptor.RetryInterceptor
+import com.navi.common.network.retry.interceptor.isRetryInterceptorEnabled
 import com.navi.rr.BuildConfig
 import okhttp3.OkHttpClient
 import okhttp3.logging.HttpLoggingInterceptor
@@ -21,8 +24,8 @@ class NaviHttpClient(networkInfo: NetworkInfo, private val context: Context) :
     val httpClientBuilder: OkHttpClient.Builder
         get() {
             val okHttpClientBuilder = baseHttpClientBuilder
-            if (BuildConfig.DEBUG) {
-                with(okHttpClientBuilder) {
+            with(okHttpClientBuilder) {
+                if (BuildConfig.DEBUG) {
                     addInterceptor(loggingInterceptor())
                     addInterceptor(
                         ChuckerInterceptor.Builder(context)
@@ -33,6 +36,9 @@ class NaviHttpClient(networkInfo: NetworkInfo, private val context: Context) :
                             .build()
                     )
                 }
+                if (isRetryInterceptorEnabled(RR_RETRY_INTERCEPTOR_ENABLED)) {
+                    addInterceptor(RetryInterceptor())
+                }
             }
             return okHttpClientBuilder
         }