The crossover issues in geometric design complexity and alignment accuracy deter the performance of the Quantum-Dot Cellular Automata (QCA) digital logic circuits at nano-scale. The proposed novel Fine Grained Array Multiplier (FGAM) architecture conquers fabrication difficulties and optimizes the clock delay usage. The energy dissipation of Processing Element (PE) using Clock Zone-Based Crossover (CZBCO) is 5.4% lesser compared to PE using coplanar design and 6.6% lesser than PE using multilayer design. The performance of the proposed fine-grained array multiplier is validated by considering design complexity, delay, irreversible power dissipation and wire cost. The QCA cost function of the proposed FGAM has outperformed the multiplier implemented in the literature. Thus, the proposed multiplier significantly achieved high device density, reduction of energy dissipation and overcome fabrication difficulties.