Meeting people's water supply needs in cities is an urgent challenge. Especially in coastal cities, surface water sources are usually inadequate and so groundwater is frequently over-exploited, resulting in its rapid decrease and intrusion of saltwater. Conjunctive use of surface water and groundwater is the best alternative approach to mitigate the overuse of groundwater through effective distribution of surface water sources. It requires numerous runs of the simulation-optimization model to select an optimal pattern of water distribution by keeping the groundwater levels under control. In this study, a new simulation-optimization model is developed using wavelet support vector regression (WSVR) and genetic algorithm (GA) to propose an optimal water distribution system to Visakhapatnam city on the East Coast of India, fulfilling the constraints of surface water quantity, aquifer pumping, and drawdown. Estimation of groundwater pumping and groundwater level variation in spatial context is challenging in urban environment. To overcome this, the calibrated modular finite-difference flow (MODFLOW) model for this study area has been used to prepare the spatial and temporal variation of model inputs such as groundwater pumping and groundwater levels. The WSVR-GA model's performance to reduce the groundwater pumping is evaluated in three distinct cases. The surface water resources from three sources are distributed to different wards in the city source-wise in case I and centralized in cases II and III, while the source-wise surface water constraints are limited to monthly in cases I and II and annual in case III. The WSVR-GA management model suggested ward-wise groundwater pumping restrictions, resulting in 9.57 MCM, 11.64 MCM, and 12.54 MCM increase in total groundwater storage capacity in cases I, II, and III respectively. Cases II and III offer 21% and 25%, respectively, more storage than case I. Thus, centralized distribution systems have increased the sustainability of groundwater supplies by preventing overdrafts caused by a lack of surface water resources. Validation of results using MODFLOW indicates a substantial rise in groundwater levels in the study area.