Abstract: Disposal of tannery effluent will result in heavy metal contamination of land and will lead to many important health and environmental hazards. Aim of the work is to determine the effects of untreated tannery effluent and treated tannery effluent on seed germination and to biodegrade the effluent using fungi. Chemical methods of remove the heavy metals in tannery effluent will have metal bearing solid waste. Hence degrading tannery effluent using Trichoderma harzianum cultured from tannery effluent is an economical and easy method. T.harzianum isolated from the effluent is used to degrade the tannery effluent. Effect of tannery effluent on germinating seeds and relative toxicity are measured at different concentrations of tannery effluent. The degradation level of chromium is also analysed in this present work.