"What time is it?"
번역:몇 시 입니까?
People using "지금" can only be right if the context is there. For example, a friend could have told you that they are going to a party, at which point you might ask "What time is it?", which would be asking about the future.
Correct. 지금 몇시니 would only be correct under certain circumstances, whereas 몇시니 is more accurate