Finite difference technique with non-uniform grid is used to investigate the effects of suspended particulate matter (SPM) on the two phase thermal boundary layer flow on a flat plate. The problem illustrates the effect of SPM on velocity profile, shear coefficient and heat transfer through tables and graphs. Further, the momentum equation for particulate phase in the normal direction, heat due to conduction and viscous dissipation term in the energy equation of the particulate phase is considered for better understanding of the thermal boundary layer flow. Unlike previous available studies, the surface particulate velocity decreases linearly towards the downstream and never becomes zero at a non-dimensional station �Similarly, the surface density goes on increasing towards the downstream and never attains an infinite value at a non-dimensional station �The magnitude of shear stress �due to the presence of particle is greater than the magnitude of stress �for a fluid flow without particles upto a downstream non-dimensional station �on the plate. From �onwards �becomes less than �on the plate. Further, presence of SPM reduces the displacement thickness upto a station on the plate �in comparison with the flow without SPM. The present solution is valid throughout the plate and the heat flows from the plate towards the fluid throughout the flow region.