Groundwater pollution by heavy metals is a significant and alarming threat globally, through its chronic effect on human health and ecosystem. The current study evaluated the identification and risk assessment of heavy metals in groundwater of the Vellore city, Tamilnadu, India. Groundwater samples were collected from 32 locations over a continuous period of 2022–2023 for every three months on seasonal basis. The samples were analysed for pH, Total Dissolved Solids (TDS), Hardness and heavy metals (Al, As, Ba, Cd, Cu, Pb, Al and Zn). The analysed mean concentrations of these heavy metals were found in the order: As > Cd > Pb > Ba >Zn >Al> Cu. Elevated concentrations of heavy metals were observed in 2022, likely influenced by rainfall and land use patterns. Heavy metals such as Al, As, Pb, and Cd exceeded the BIS limits and whereas Ba, Cu, and Zn concentrations remain within desirable limits. Groundwater Quality Index (GWQI) classified 41% as 'unfit for drinking'. Ecological risk indices (ERI) indicate significant contamination in 34% of samples, with Al and Pb being primary contributors. Non-carcinogenic health risk assessments reveal, chronic hazards, where children facing higher risks followed by men and women groups. Carcinogenic risk assessments indices such as Heavy metal pollution Index (HPI) shown 25% of samples in critical quality, Heavy metal Evaluation Index (HEI) evaluated all samples were in low contamination and Contamination Index (CI) shown 72% samples under high contamination posing high risk to humans. Probable Cancer Risk (PCR) values for As, Pb, and Cd exceed acceptable ranges across all demographic groups posing cancer risk to humans particularly children. The present study highlights the need for groundwater treatment and regulatory interventions to mitigate health and ecological risks due to the contamination of heavy metals in Vellore city.