The safety and the life of the battery in electric vehicles (EV) largely depend on charging strategies. The typical chargers are fixed adhering to constant current constant voltage (CC CV) principles failing to consider real-time stress on the battery or grid excursions, commonly resulting in reduced lifespan and achievability of safety issues. In this paper, a Stress-Aware Adaptive Power Electronic Charging Technique (SA-APECT) is suggested in which the charging profile is dynamically adjusted according to real-time battery impedance and thermal states. The system uses two-phase power electronic architecture comprising of power factor-corrected AC-DC converter and isolated DC-DC converter. A real-time impedance-modulated current shaping algorithm is used to control the DC-DC stage thus minimizing lithium plating and minimizing stress on the internal battery during high rates of charging. A hybrid observer is a voltage ripple analysis that combines the temperature feedback with the voltage ripple analysis to non-intuitive estimate internal resistance. With this estimation, the charging current is adaptively reformed instead of being based on traditional CC-CV trends. The assessments are carried out through simulation and experimentation, indicating that the charging efficiency, reduction in peak temperature increase, and increased battery life, are improved. The SA-APECT suggested offers a scalable, smart and secure charging, which can be applied in high-power EVs and can be easily integrated into the modern grid