In the current study, the effect of different types of titanium dioxide (TiO2) nanoparticles (NPs) (rutile, anatase, and mixture) was analyzed on Ceriodaphnia dubia in the presence of algae under distinct irradiation conditions such as visible and UV-A. The toxicity experiments were performed in sterile freshwater to mimic the chemical composition of the freshwater system. In addition, the oxidative stress biomarkers such as MDA, catalase, and GSH were analyzed to elucidate the stress induced by the NPs on daphnids. Individually, both rutile and anatase NPs induced similar mortality under both visible and UV-A irradiations at all the test concentrations except 600 and 1200 μM where rutile induced higher mortality under UV-A. Upon visible irradiation, the binary mixture exhibited a synergistic effect at their lower concentration and an additive effect at higher concentrations. In contrast, UV-A irradiation demonstrated the additive effect of mixture except for 1200 μM which elucidated antagonistic effect. Mathematical model confirmed the effects of the binary mixture. The surface interaction between the individual NPs in the form of aggregation played a pivotal role in the induction of specific effects exhibited by the binary mixture. Oxidative stress biomarkers were highly increased upon NPs exposure especially under visible irradiation. These observations elucidated that the irradiation and crystallinity effect of TiO2 NPs were noted only on certain biomarkers and not on the mortality.