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The study investigates a high-resolution retrieval of AOD over complex surfaces and various aerosol regimes of South Asian countries such as China, Bangladesh and Nepal from Landsat 7/8/9 and Sentinel 2 images. To estimate AOD from these satellite images, unlike the conventional radiative transfer-based look-up-table (LUT) approach, this study uses SEMARA coupled model which combines a simplified and robust surface reflection estimation (SREM) model and a simplified aerosol retrieval algorithm (SARA). The SEMARA model uses top-of-atmospheric reflectance (TOA) and land surface reflectance (LSR), solar and sensors viewing geometries, including the in-situ AOD data from the Aerosol Robotic Network (AERONET) station to simulate AOD at 30 m and 10 m spatial resolutions. The results are compared with AERONET and MODIS-based AOD for the validation sites in the South Asian countries. A high degree of agreement with AERONET AOD is obtained over Beijing in China (R2 > 0.9) for all sensors, while it varies for the validation AERONET stations over Nepal and Bangladesh (R2 = 0.40–0.86). The accuracy metrices suggest a low uncertainty over China Mean Absolute Error (MAE) and Root Mean Square Error (RMSE) for Beijing: 0.07 and 0.13), while it remains higher for stations over Nepal and Bangladesh (MAE and RMSE: 0.33, and 0.41; 0.15–0.27, respectively). >85% of the modelled observations fall within expected error (EE) for China, while 20–75% of observations fall within EE for Nepal and Bangladesh. We have also obtained a proximity effect for the accuracy of the estimated AOD from the SEMARA model. The findings, in general, suggest that the complexity in surface cover and aerosol type produce a higher offset with respect to AERONET observations over Bangladesh and Nepal, and therefore further validation studies are needed for other parts of the globe to measure the consistency of the model. [Display omitted] • A computationally efficient coupled model of simplified surface reflectance and aerosol retrieval algorithm is used. • The estimation accuracy remains high over the validation sites in China and drops notably over Nepal and Bangladesh. • Precise the estimation of surface reflectance, higher is the accuracy of SEMARA-derived AOD • The outcome shows a proximity effect of the AERONET station to the level of accuracy of estimated AOD. [ABSTRACT FROM AUTHOR]