The depletion of groundwater resources in the water-stressed regions has led to the overuse of surface water reservoirs. Recharging groundwater by rejuvenating dried surface reservoirs using recycled water is a new sustainable solution. To ensure the prevention of groundwater contamination and associated health risks (as recycled water is used), it is crucial to assess the surface reservoir water quality. The study for the first time suggests the Lake2K model, a one-dimensional mechanistic mass-balance model, to simulate the changes in water quality in a series of man-made surface water reservoirs where recycled water flows under an indirect groundwater recharge scheme (soil aquifer treatment system). The model was developed, calibrated, and validated using field observations to estimate degradation/reaction rate constants for various water quality parameters. The observed average degradation/reaction rate constants for parameters including ammonia-N, nitrate-N, total nitrogen, total organic carbon, and organic phosphorous were 0.043 day −1 , 0.04 day −1 , 0.043 day −1 , 0.055 day −1 , and 0.056 day −1 , respectively, which were found to be relatively high compared to existing literature, indicating a greater degradation of these parameters in warmer climates. The results showed that the water quality improved significantly as the water progressed through the reservoirs, aligning with field observations. Additionally, the simulated seasonal variations revealed that the maximum growth rate of phytoplankton occurred during July, August, and September for each reservoir, while the nutrient pool (nitrate-N and orthophosphates) experienced the greatest depletion during this growth period. These findings shed light on the dynamics of surface water quality in regions facing water scarcity and contribute to the development of sustainable groundwater management strategies.