A 900 MHz meander PIFA on a magneto-dielectric nanocomposite (MDNC) substrate for mobile communication is presented. Cobalt nanoparticles were synthesized with polymer matrix and its properties were measured up to 4GHz. Bandwidth, gain and radiation efficiency of antenna on different substrates (MDNC, High K material and FR4) were compared and it is demonstrated that MDNC is beneficial for antenna miniaturization with acceptable antenna performance. Head effects due to the antenna were studied and Specific Absorption Ratio (SAR) was calculated. The simulation results demonstrate that the MDNC reduces the head effects and the magnetic loss of MDNC helps to decrease SAR due to the antenna.Index Terms-Magneto-dielectric, specific absorption rate, miniaturization, microstrip antenna, radiation pattern, nanocomposite.