The masonry walls should have sufficient in-plane strength and stiffness to withstand the seismic loads during strong ground shakings. Different retrofitting techniques are proposed for improving in-plane behavior of the Unreinforced Masonry (URM) walls. This study focuses on experimental evaluation and numerical simulation of a simple practical retrofitting technique employing Fiber Reinforced Concrete (FRC) surface layer. The simple FRC mix has conventional available fiber, low fiber content, ordinary mix design and applicable construction procedure. Effect of FRC mix including fiber type and fiber content and surface layer thickness on in-plane behavior of masonry panels made up of conventional solid clay bricks are evaluated through experimental study in accordance with ASTM E-519 diagonal tension strength of masonry panels. In addition, numerical simulation model of this retrofitting technique in ABAQUS software is proposed and validated with test results of bare and retrofitted panels.