The heavy and hazardous metals have high impact on health of living organism mostly on human beings. Settled dust has great impact on natural environment and human health as it may contain heavy and hazardous metals contributed from anthropogenic activities. Four functional areas of Karachi city, were selected for this study that are named as industrial area (Port Qasim), Traffic area (National Highway from Malir Halt to Port Qasim), Urban Area (Gulshan-e-Iqbal), Rural Area (Saadi Town). 36 samples of settled dust were drawn from all these areas and analyzed on WD-XRF spectrometer. Chromium, Copper, Iron, Manganese, Nickel, Lead, Titanium, and Zinc were studied and their average results were 384, 664, 61699, 1379,167, 427, 4656 and 5909mg Kg-1. The average results of all metallic concentration of all four functional areas show that iron, Zinc, Titanium and Manganese are enriched in concentration while Nickel has the lowest concentration in settle dust. Morphological examination was carried out with SEM in which particles size, shape and particle composition was determined. SEM-EDX was used to analyze the particle’s chemical composition, and Carbon was also quantify with metals and has high concentration in all samples than heavy metals. The study aided valuable data related with heavy and hazardous metals for the city of Karachi