This study investigates the trace element concentrations in the surface waters of four north-joining Himalayan tributaries of the Ganga river (Ramganga, Ghaghara, Gandak, and Kosi), highlighting the combined effects of geogenic processes and anthropogenic activities on trace element chemistry and water quality. A knowledge gap exists in understanding the sources of trace elements in these tributaries and the contribution of trace elements from these tributaries to the Gangariver. The novelty of the study lies in its assessment of sources, human health risks, and ecological impacts. The investigation was conducted by assessing trace element concentrations and comparing them with national and international standards. Various human health and ecological risk indicators, including the Heavy Metal Pollution Index (HPI), Hazard Quotient (HQ), Health Index (HI), Chronic Daily Intake (CDI), and the Potential Ecological Risk Index (PERI), were applied. The results reveal high concentrations of copper (Cu), zinc (Zn) and lead (Pb) in the Ramganga, indicating contamination from industrial activities in the catchment. Although most trace element concentrations are within safe limits, Pb concentration in the Ramganga exceeds the limit prescribed by WHO. The Ramganga shows the highest health risks, with a HItotal of 1.876 for adults and 1.616 for children. In contrast, the Ghaghara, Gandak, and Kosi exhibit lower but moderate contamination levels. HPI values for these rivers- 93.74 for the Ghaghara, 83.95 for the Kosi, 83.13 for the Gandak, and 80.43 for the Ramganga—indicate that although contamination is below critical thresholds, targeted mitigation strategies are needed. The findings provide valuable insights into trace metal sources and their implications for human health and ecological risks, and emphasize the need for frequent monitoring and pollution control measures for maintaining sustainable water quality in these tributaries.