The present paper discusses a comparative account on physico-chemical and a microbial characteristic of lotic and ground water samples from major rivers (Mahi and Sabarmati) adjacent to Anand Town, and the educational townships of New Vallabh Vidyanagar (ARIBAS), respectively. The water samples were collected in phosphate free bottle and examined for various physico-chemical parameters such as pH, Total Dissolved Solids (TDS), Biological Oxygen Demand (BOD), Chemical Oxygen Demand (COD), Dissolved Oxygen (DO), Total Hardness (TH) and Electric Conductivity (EC). Besides, the Most Probable Number (MPN) count of coliform and Total Plate Count (TPC) test were performed to check the potability of water samples by user-driven community of surrounding inhabitants. The results for respective parameters were compared for lotic and ground-waters for their suitability for drinking, irrigation and domestic purposes.