Nanoparticulate titanium dioxide coating produced by educing flocculates of titanium dioxide nanoparticles from a titanyl sulfate solution and dispersing the nanoparticles in a polar sol-forming medium to make a sol suitable as a coating usable to impart photocatalytic activity, U.V. screening properties, and fire retardency to particles and to surfaces. The photocatalytic material and activity is preferably localized in dispersed concentrated nanoparticles, spots or islands both to save costs and leverage anti-microbial effects.