The environment is considered as man's important asset that must be protected for his life support.  However, the situation is different where oil refinery, petrochemical plants (KRPC) and Industries (Northern Noodle) operate.  Surface water resources in these areas poses serious threat to the ecosystem, often with undesirable effects.  The effects of industrial effluent on surface water resources of Rido, Kapam, Nissi villages of Kaduna State Nigeria is being analysed.  The study adopts simple descriptive statistics in data analysis and discovers the inhabitant of the area accuses the refinery of polluting the source of the water upon which they depend on for drinking and other domestic purposes.  The farmers believe that the effluent discharge is responsible for the reduction and death of fishes in the river, and diseases in Rido, Kapam and Nissi Village.  Harmful doses of various chemicals are seen in the effluent discharge and subsequently in the surface water bodies in the area.  This research recommends that the waste water treatment plant of KRPC and Northern Noodles should be rehabilitated and the clean water retention pond cleared so that waste water should be pre-treated before discharging into the river.