Heterodermia fragmentata is a species of corticolous (bark-dwelling) foliose lichen in the family Physciaceae.

The type specimen was collected by both authors in Nuwara Eliya, Sri Lanka, on the bark of a tree.

The lobes have margins with a thin dark grey line, while the lower surface is arachnoid, white, and often blackens towards the centre.

[2] The lichen reproduces through apothecia, which are rare, stipitate, and laminal on the upper surface of the thallus lobes.

[2] Heterodermia fragmentata is found on trees and shrubs, predominantly in submontane forests and open mountainous areas.