Due to rapid urbanization and fast economic development, aerosol pollution is a serious environmental issue, especially in Bangladesh. Based on bioaccessibility and respiratory deposition doses (RDD), health risks of PM2.5 and PM10 bound 15 (fifteen) metals were investigated at fourteen urban sites (roadside, marketplace, industrial, and commercial areas). Sampling campaigns were conducted over four seasons (winter, summer, rainy, and autumn) from December 2020 to November 2021. A beta attenuation mass analyzer measured particulate matter concentrations in ambient air. The metals in PM fractions were analyzed by X-ray fluorescence spectroscopy and inductively coupled plasma mass spectrometry (ICP-MS). The airborne trace metals (Cd, As, Zn, Pb, Cr, Cu, Ni) with high enrichment factors indicate anthropogenic sources. The positive matrix factorization (PMF) categorized these elements as originating from automobile exhaust, industrial emissions, and solid waste/coal combustion, whereas the geologic elements came from earth crust/soil dust. During the winter, most of the air mass trajectories arrived from India across the land (82%) and Indo Gangetic Plain (IGP) region to the sampling sites, which may have aided in the transport of pollutants. The deposition flux of metals illustrated that compared to PM2.5, PM10 deposited a higher amount of metals in the upper airways (81.96%).In comparison, PM2.5 accumulates more elevated amounts of metals in alveolar regions (11.77%), due to the ability of fine particles to penetrate deeper into the lower pulmonary region. Among age groups, an adult inhales a higher amount of metals than a child, on average 0.103 mg and 0.08 mg of metals per day via PM2.5, respectively. Acute health impacts are caused by the deposited cancer-causing metals in alveolar tissue, which circulates through the bloodstream and affects several organs. Prolonged exposure to these carcinogenic metals poses significant health risks.