The presence of toxic trace elements (TEs) has resulted in a worldwide deterioration in freshwater ecosystem quality. This study aimed to analyze the distribution of TEs, including chromium (Cr), nickel (Ni), arsenic (As), mercury (Hg), cadmium (Cd), and lead (Pb), in water, sediment, and organs of Tilapia (Oreochromis mossambicus) collected from selected inland water bodies in Tamil Nadu, India. The water samples exhibited a range of concentrations for TEs: Cr varied from 0.014 to 5.193µg/L, Ni ranged from 0.283 to 11.133µg/L, As ranged from 0.503 to 1.519µg/L, Cd from 0.001 to 0.616µg/L, and Pb ranged from non-detectable (ND) to 6.103µg/L. The concentrations of TEs in sediment were found to vary within the following ranges: 5.259 to 32.621mg/kg for Cr, 1.932 to 30.487mg/kg for Ni, 0.129 to 0.563mg/kg for As, 0.003 to 0.011mg/kg for Cd, ND to 0.003mg/kg for Hg, and 0.404 to 1.575mg/kg for Pb. The study found that the accumulation pattern of TE in fishes across all selected areas was liver > bone > gill > muscle. The organs had TE concentrations of Cr (ND-0.769mg/kg), Ni (ND-1.053mg/kg), As (0.002-0.080mg/kg), Pb (ND-0.411mg/kg), and Hg (ND-0.067mg/kg), which was below the maximum residual limit prescribed by EC and FSSAI. The bioconcentration factor (BCF) of TEs exhibited a greater magnitude in comparison with the biota-sediment accumulation factor due to the higher concentration of TEs in fish and lower level in water. The assessment of both carcinogenic and non-carcinogenic risks suggests that the consumption of Tilapia from the study region does not pose any significant risks.