The economic development worldwide has brought in its wake many changes in the environment. Marine ecosystem which forms a part of this environment has been subjected to impact of industrialisation and urbanization. The study has been carried out in the creek ecosystem of Mumbai receiving the effluents from industrial and urban settlements. The trace elements such as P, K, Ca, Ti, V, Cr, Mn, Fe, Co, Ni, Cu, Zn, Pb, As, Rb and Sr were analysed in the creek water collected from the side receiving industrial effluent and discharges from the urban settlements using total reflection X-ray fluorescence spectrometry. On comparing the concentration of the trace element from the mid stream water of the creek with the water samples collected from the industrial and city effluent receiving side, it was found that the concentration of P, Ca, Mn, Fe, Co, Cu, Zn, Pb and As were found higher in the industrial side of the creek whereas V, Cr and Ni concentration were found higher in the samples collected from the side receiving city effluent.