Abstract: The present invention discloses a system and method for non-intrusive monitoring and prediction of cardiac function of a user. The system (100) comprises a sensor device (102), a data capturing device (104), a data receiver module (106), an acoustic engine (108) and user devices (110), which communicate by using communication network (112). The sensor device (102) comprises a sensor array to capture micro-vibrations of physiological parameters of a user through a surface/mattress under which the sensor device (102) is positioned. The acoustic engine (108) converts the digital time-based vibration signals into frequency-based acoustic outputs such as physiological condition acoustic signals. Further, the acoustic engine (108) is configured to determine the user's current and future health issues based on the physiological condition acoustic signals. does not require trained medical practitioners to analyze the vibration signal of the user to determine the physiological conditions of the user.