The conventional piled raft foundations are extensively implemented for high-rise structures due to their adequate bearing capacity and satisfactory settlement performance. However, a disconnected piled raft (DPR) system with a compacted granular cushion has recently gained popularity due to its satisfactory performance in various geotechnical projects. The DPR can effectively reduce direct loading on the pile heads by treating the piles primarily as soil reinforcement. This study numerically investigates the performance of a vertically loaded DRP system in sandy soil using PLAXIS 3D, a finite element-based package. After validating the numerical model with a published centrifuge test result, a parametric study is carried out with variations in granular cushion thickness (0.5–2 m), pile length (5–15 m), and raft thickness (0.4–0.6 m), representing realistic field scenarios. The results are analyzed through load-settlement response, settlement efficiency, pile’s mechanical behavior, and pile-raft load distribution. The numerical findings reveal that the piles in a DPR experience a lesser axial load when compared with traditional piled raft. The settlement efficiency of DPR increases by 17% with an increase in the length of the pile. Moreover, the settlement performance of DPR improves with an increase in raft thickness but declines with an increase in cushion thickness. Overall, the results of this study highlight key findings regarding the response of the DPR system, emphasizing the need for strategic adjustments in cushion thickness and pile-raft geometries for better performance and efficiency.