Chlorophyll-a (Chl-a) concentration is an important issue in ocean ecosystem management and research. This study investigates seasonal and annual variability in Chl-a and its relationship with sea surface temperature (SST) and river discharge in the shelf region of the Northern Bay of Bengal (BoB), as well as validates satellite data against in-situ data. Moderate Resolution Imaging Spectroradiometer (MODIS) Aqua satellite data on Chl-a concentration and SST from 2002–2018 were used in this study. River discharge data were obtained from the Bangladesh Water Development Board (BWDB). The annual Chl-a concentration ranged from 2.08 to 2.94 mg m−3, with an average of 2.43 ± 0.24 mg m−3. The Chl-a concentration was found higher (2.21 ± 0.56 mg m−3) during the northeast monsoon (October–February) and lower (1.81 ± 1.14 mg m−3) during the pre-monsoon season (March–May). The study revealed a declining trend in Chl-a concentration from 2002 to 2018, and the rate of change was −0.0183 mg m−3 year−1. Chl-a concentration showed a weak inverse relationship with SST, both annually and seasonally, especially in the pre-monsoon season. River discharge masked the effect of SST on Chl-a variability during the southwest and northeast monsoon. A reasonable correlation (r = 0.78) was found between the MODIS-Aqua data and in-situ Chl-a observations.
