The continuous investigation of water resources is essential to assess pollution risks. This study investigated a groundwater assessment in the coastal belt of Tamil Nadu’s Kovilpatti Taluk, Thoothukudi district. Twenty-one groundwater samples were collected during the pre-monsoon and post-monsoon seasons, analyzing water quality parameters, namely pH, EC, Cl−, SO42−, Ca2+, Mg2+, HCO3−, TH, Na2+, and K+. The Water Quality Index (WQI) was computed and it is observed that 5% of pre-monsoon and 9% of post-monsoon samples were unsuitable for drinking. SAR, MHR, RSC, %Na and Kelley’s index were used to determine irrigation suitability. Pre-monsoon shows 29% (MHR) and 71% (RSC) unsuitable, and post-monsoon shows 59% (MHR) and 9% (RSC) unsuitable. Coastal activity, urbanization, and industrialization in Kovilpatti resulted in the degradation of groundwater quality. Solving this coastal issue requires sustainable wastewater treatment and strict industrial discharge guidelines. Spatial distribution plots, Box plots, Gibbs plots, Piper plots, Wilcox plots and Correlation Matrices had similar results to the computed WQI and its physical–chemical parameters. According to the human health risk assessment, the Mooppanpatti, Illuppaiurani, and Vijayapuri regions show high health risks due to the nitrate and fluoride concentration in the groundwater. Kadambu, Melparaipatti, Therkuilandhaikulam, and Vadakku Vandanam have low levels, posing a minimal health risk.