THIS work principally manages a novel multifunctional covering ……...for giving, fire resistant, UV-protection and water repellent properties for cotton fabrics utilizing TiO₂ and TiO₂/SiO₂ nano-particles. We show the preparation and the application of TiO₂ and TiO₂/SiO₂ nanomaterials. The utilization of the nanomaterials on cottton fabric was accomplished by utilizing different polycarboxylic acids i.e. (Citric acid [CA], Succinic acid [SA], and 1,2,3,4-Butanetetracarboxylic acids [BTCA]) in the presence of sodium hypophosphite (SHP) which used  as catalyst using traditional Pad-dry-cure technique. The impacts of carboxylic group number in the different polycarboxylic acids on the UV-protection and physical properties, of cross-linked cotton fabrics are researched. Some mechanical properties of coated cotton fabric (whiteness, roughness, and Crease recovery angle [CRA]) were analyzed. In addition, the impact of post treatment with various silane derivatives based on tetraethylorthosilicate (TEOS)/or 3-glycidyloxypropyltrimethoxysilane (GPTMS) on thermal stability of treated fabrics and additionally the water repellent property was also examined.