The present study investigates the e®ect of titania particles on the micro-hardness, wear resistance, corrosion resistance and friction of electroless Ni-P-TiO 2 composite coatings deposited on mild steel substrates at di®erent annealing temperatures. The experimental results con¯rmed that the amount of TiO 2 particles incorporated in the coatings increases with increase in the concentration of particles in the electroless bath. In presence of TiO 2 particles, hardness, wear resistance and corrosion resistance of the coating improve signi¯cantly. At higher annealing temperature, wear resistance increases due to formation of hard Ni 3 P phase and incorporation of titania particles in the coated layer. Charge transfer resistance and corrosion current density of the coatings reduce with an increase in TiO 2 particles, whereas corrosion potential increases. Microstructure changes and composition of the composite coating due to heat treatment are studied with the help of scanning electron microscopy (SEM), energy dispersive X-ray analysis (EDXA) and X-ray di®raction (XRD) analysis.