The northern Bay of Bengal is characterized by freshwater supply from the Ganges and Brahmaputra Rivers. The resulting shallow haline stratification and thick barrier layer lead to temperature inversions in fall and winter, that is, cool surface water overlaying warm subsurface water. This study examines sea surface temperature (SST) variability off Bangladesh and shows that temperature inversions play an essential role in generating seasonal and interannual SST variability there. Two satellite SST datasets reveal that the magnitude of SST variability has a local peak near the coast of Bangladesh on seasonal and interannual time scales. Output from a high-resolution ocean general circulation model, which is validated by satellite SST and Ar...