In this study, we investigated the temporal variation of organic and inorganic aerosol with its optical properties in Mumbai (India), an urban coastal region. Mean PM2.5concentrations during the sampling period were 175μg/m3 (winter) and 90μg/m3 (summer). During winter, the average concentrations of organic (OC), elemental (EC), and water-soluble organic carbon (WSOC) were three times higher than in summer. Secondary organic carbon (SOC) contribution in OC was higher in summer (78%) than in winter (53%), and strong solar radiation in summer likely caused this outcome. Aerosols were slightly acidic in both seasons, with an average pH of 5.7 (winter) and 6.0 (summer). A correlation was observed between SOC and the acidity of particles in summer (R2 = 0.6), indicating some amount of acid-catalysed SOC formation. In both seasons, the sulphate oxidation ratio (SOR) was higher than the nitrate oxidation ratio (NOR), which may reflect a preference for SO2 oxidation over NO2 or the difference in partitioning ammonium nitrate into ammonium sulphate under high RH. The dominant mechanism of SOC formation (gas vs aqueous phase oxidation) also showed seasonal variation. In winter, a relatively steep reduced major axis (RMA) slope of O3/CO suggests gas phase oxidation was the dominant mechanism of SOC production. Winter has more BrC fraction than summer, indicating higher absorbing aerosols, though the efficiency of absorbing the light was higher in summer. To assess the radiative forcing of PM2.5 on a local scale, an effective carbon ratio (ECR) was computed. The findings pointed to a local radiative heating impact caused by PM2.5. The spectral slope ratio and MAE at 250 to 300nm ratio (E2/E3) revealed a higher abundance of high molecular weight species in WSOC during summer than in winter.