This paper investigates the chemical composition of Particulate Matter, Organic Carbon (OC), and Elemental Carbon (EC) in residential and tra c sites in Mumbai. The average PM 2.5 and PM 10 concentrations at the tra c site (Sakinaka) were 240 µg/m 3 and 424 µg/m 3 , respectively. The observed levels of OC were 35 µg/m 3 , 22 µg/m 3 , and 15.5µg/m 3 at Sakinaka junction (high-density tra c), YP-Gate (low-density tra c), and Hostel Premise (Residential), respectively. The average OC/EC ratio value was high (4.5) at the residential site, indicating contributions from stationary combustion sources and secondary production of carbonaceous species to OC. The residential site has a higher percentage of low volatile OC fraction (57%) in total OC than the tra c sites. On the other hand, Sakinaka has a higher percentage of highly volatile OC fractions (36%) in total OC. The crustal-originated metals were dominating in all areas, but the concentration of metals from anthropogenic sources was highest at Sakinaka, i.e., As (381 ng/m 3 ), Pb (352 ng/m 3 ), Zn (679 ng/m 3 ). The K/Al, Ca/Al, Mg/Al, and Fe/Al ratios were high in all the samples compared to the crustal ratio indicating biomass burning and tra c emission sources of these metals. PM originating from tra c was more enriched with heavy metals that are toxic to human health, increasing cancer risks (CR) through inhalation. The hazard quotient was above 1 at all the locations, and CR was above 1x10 − 4, causing health risks. According to the dosimetry model, more PM was deposited in the lungs of tra c location occupants through inhalation, increasing the cancerous risk.