The study elucidates the inter-annual and seasonal variability in the phytoplankton abundance and community structure concurrent to variable rainfall patterns in Chettuva, a tropical monsoonal estuary along the southwest coast of India. The phytoplankton community exhibited statistically significant inter-annual variation with a 1.2-fold increase in abundance (av. 19.44 ×104cellsL-1) in 2021 in comparison with 2019 (av. 15.30 ×104cellsL-1). A total of 87 phytoplankton species were observed during the study, among which Bacillariophyceae dominated with 52 species, followed by Dinophyceae (20 species), and to a lesser extent by Chlorophyceae (11 species) and Cyanophyceae (2 species). Phytoplankton community structure also showed variation, with 71 species contributing to the diversity in 2021 and 62 species in 2019. Though Bacillariophycea dominated during both years, the community was more diverse in 2021comparatively a more saline year Biddulphia sp. Coscinodiscus sp., Cyclotella striata, Melosira sulcata, Pleurosigma sp., and Skeletonema costatum were the diatoms common to both the years, though with varied abundance. Dinophyceae did not show a conspicuous change in community structure in both years, with mostly the same species contributing to the total phytoplankton population but showed slight variation in abundance. Cyanophycea was observed exclusively during the year 2021. The abundance and community structure of the species varied from year to year, but they also changed seasonally, with lower numbers observed during the monsoon compared to the post-monsoon period in both years. CCA analysis identified two groups of phytoplankton assemblages in relation to the prevailing environmental conditions. The Group I species preferred lower temperature and salinity and elevated nutrient concentrations and they dominated during the monsoon season. Group II species preferred high saline well oxygenated, nutrient-poor waters and they dominated during the post-monsoon. Furthermore, the trophic state index analysis indicated mesotrophic conditions during the monsoon, while eutrophic conditions were observed in the post-monsoon period.