This paper deals with simulation of Nakagami-m fading in wireless channels using generalized SC DS-CDMA and MC DS-CDMA schemes using binary phase shift keying modulation scheme. The paper proposes for deriving Bit Error Rate (BER) in BPSK-SC DSCDMA and MC DS-CDMA systems over Nakagami-m fading channels. The numerical results are plotted as BER vs SNR for various values of Nakagami factor m, number of users K and jamming interference (JSR) using MAT LAB software. The performance of Nakagami-m channel using BPSK-SC DS-CDMA and MC DS-CDMA techniques are compared. It is observed that there is a decrease in Bit Error Rate for increase in m for SC DS-CDMA and MC DS-CDMA. The number of users k, JSR increases as Bit Error Rate increases for MC DSCDMA. For the same values of m BER for MC DS-CDMA is smaller when compared with SC DS-CDMA using Maximal Ratio Combining (MRC) diversity technique.