River Danro in Garhwa (India) plays a vital role as a significant source of surface water and a crucial tributary of the North Koel River, ultimately joining the Ganga River Basin. Serving both urban-industrial and rural areas, the region faces challenges, including sand mining near Belchampa Ghat. This study aimed to assess physicochemical and heavy metals pollution at nine sampling locations, utilizing the Overall Index of Pollution (OIP), Nemerow Pollution Index (NPI), and Heavy Metal Pollution Index (HPI). OIP values indicated excellent surface water quality (0.71) in non-monsoon and slight pollution (6.28) in monsoon. NPI ranged from 0.10 to 1.74 in non-monsoon and from 0.22 (clean) to 27.15 (heavily polluted) in monsoon. HPI results suggested groundwater contamination, particularly by lead. Principal component analysis (PCA) and geospatial mapping showed similar outcomes, highlighting the influence of adjacent land use on water quality. Recognizing the significance of Danro River in sustaining life, livelihoods, and economic growth, the study recommends implementing measures like floating bed remediation and regulatory actions for effective river management.