A huge amount of fly ash is being generated from coal-based thermal power plants (TPPs). Fly ash is a waste product from TPPs that creates environmental problems due to improper utilization or disposal. Use of coal fly ash in agriculture is a good way to dispose of fly ash, and it will improve the yield of variety of agricultural crops. In the present study a pot experiment was carried out to study the effects of fly ash as an admixture in agriculture and on the growth and accumulation of heavy metals in wheat (Triticum aestivum), mung bean (Vigna radiata), and urad beans (Vigna mungo). In this the fly ash was applied at ratios of 10-60% (w/w). It was found that the application of fly ash enhances the seed germination rate considerably, whereas in the absence of fly ash (control) rate of seed germination was very slow. The use of fly ash as an admixture in agriculture up to 60% for the wheat (Triticum aestivum), 10-20% for mung bean (Vigna radiata), and 20% for urad beans (Vigna mungo) is suitable for maximum growth and yield. Cd, Cu, Fe, Mn, Mg Ni, Pb, and Zn were accumulated in the plants under study, but at very low concentrations and below the permissible limits provided for human consumption.