This study reports the opto-structural, morphological, topological and electrical properties of thermally evaporated AgxBi2-xS3-y thin film prepared for various x and y values (x= y= 0, 0.25, 0.50, 0.75 and 1). The films have cubic structured AgBiS2 along with orthorhombic structured Bi2S3 as confirmed from X-ray diffraction (XRD) analysis. The films showed higher optical absorption coefficient (105cm-1) in the visible region and band gap values are found to be decreased from 2.08 eV to 1.35 eV for AgxBi2-xS3-y (x= y = 0 to 1) films. Scanning electron microscope (SEM) images showed the uniform distribution of spherical particles. Carrier concentration of the films are better than x= y= 0 as observed from Hall effect and Mott- Schottky plots. The FTO/ AgxBi2-xS3-y (x= y = 1) photoelectrochemical cell yields the photoconversion efficiency (PCE) of 7.03 %. The device FTO/ AgxBi2-xS3-y (x= y = 1) CdS/Ag solar cell has exhibited PCE of 3.26%.