<p>Reliable flood dynamics assessment is essential for effective flood risk management in India due to rainfall-driven runoff variability, causing unpredictable flood events leading to socio-economic losses. In the Panchganga river basin, most flood studies focused on the inundation map, while quantifying land-use-specific flood impact and multi-year dynamic assessment is currently missing. This study evaluates multi-year flood dynamics and quantifies land-use-specific flood impact in the Panchganga River Basin, Maharashtra, using integrated hydrologic–hydraulic modelling, GIS and ground-based data. The hydrodynamic modelling was performed using HEC-HMS, implementing the SCS-CN method for rainfall losses, SCS-UH for runoff transformation, and the Muskingum method for flow routing. Model calibration using five years of observed data (2015–2019) yielded satisfactory performance with R² values ranging from 0.784 to 0.850 and NSE values between 0.731 and 0.858. Model validation using three years of independent observed data (2013, 2014, and 2020) showed strong agreement, with R² ranging from 0.779 to 0.904 and NSE values between 0.729 and 0.783. The hydraulic simulations were performed using HEC-RAS (2D) for unsteady flow, generating flood depth, velocity, and inundation maps. The results indicate that flood-affected built-up areas increased from 20.40% in 2018 to 28.93% in 2019, while affected cropland areas increased from 17.50% to 19.76%. The study demonstrates the applicability of an integrated HEC-HMS, HEC-RAS, GIS-based approach and ground-based data for flood risk assessment and supports informed decision-making for flood mitigation and sustainable water resource management in the Panchganga River Basin.</p>