<p>The drought-prone left bank of river Ganges (Padma) in the north-western part of Bangladesh is facing challenges of water scarcity. Unfortunately, here the study on insightful numerical modeling for interaction for surface water (SW) of rivers and nearby groundwater (GW) of aquifer system is lacking. So, present study has been carried out on simulation of GW flow characteristics, its dynamic exchanges with SW and prediction of long-run scenario using Visual MODFLOW software. The study reveals that groundwater level (GWL) follows topography of the area, and discharge capacity varies with time due to reduction in the river water flow immediately after the rainy season, and the over-exploitation of groundwater due to increasing irrigation demand. Higher GWL head reveals higher discharging rate and its maximum velocity vectors also reflects major outflow towards river basins. At present, the simulated total deficit of water resource is 2,044,000&#xa0;L/year. Higher declining rate of GWL also happens due to reducing amount of groundwater recharge due to rainfall scarcity in comparison to demand. The groundwater scenario for the period 1980–2020 and predicted up to 2050 reveals the steadily declining trend (nearly four times) along with irrigation demand for country’s food security, and the area will face severe water scarcity if appropriate adaptation measures will be not be taken timely. Finally, this river and the aquifer model presents a window for stronger understanding the relationship of Surface Water-Ground water system and thereby finding the potential causes of groundwater depletion in this drought prone area that will help to develop appropriate water resources management strategy in this region. It differs with the concept of supply-demand scenario from widely marked nature-based solution to seasonal freshwater storage capture dubbed the ‘Bengal Water Machine - GWM’.</p>