Ranchi is the administrative capital of Jharkhand and is located in the southern part of the Chhotanagpur Plateau. It is rich in forest and mineral resources and hence is suitable for the establishment of many large- and small-scale industries. The estimated population of Ranchi for the year 2023 is 3.54 million. These demographic characteristics make the capital more vulnerable to environmental degradation. Also, previous water quality research focused on river, water, and oceans separately; however, little or no work has been carried out on the comparison of metal or metalloid analysis in rivers, waterfalls, and lakes. Hence, the present study aims to assess the pollution status of mineral-rich and industrial hub city, Ranchi, through analysis of metals or metalloids in abiotic (water and sediment) and biotic (fish and human) components. The water, sediment, and fish (Labeo rohita and Catla catla) samples were collected from Subarnarekha river, Jumar river, Dassam fall, Getalsud dam, Hundru fall, Jonha fall, Kanke dam, and Sita fall. Samples were collected following standard methods and analyzed in inductively coupled plasma mass spectrometry (ICP-MS). Among three aquatic systems (rivers, dams, and falls), dams were highly polluted with metals or metalloids, which may be due to effluent discharge from different industries. Additionally, the high population in the city also contributed to metals or metalloids pollution. The reason may be the direct sewage disposal and agricultural and surface runoff in the water systems. It was observed that most of the aquatic systems in Ranchi were severely polluted with metals or metalloids. The fish also accumulated these metals or metalloids in their body and can be life-threatening to the human population consuming them. The THQ (above 1) and HI (2.95) values for As showed that children are more vulnerable to health risk through consumption of contaminated fish. Hence, proper planning and management are needed to overcome the metals or metalloids pollution in Ranchi.