<p>The utilization of agro waste in the green synthesis of nanoparticles (NPs) is recognized as one of the most environment benign and cost-effective approaches. Accordingly, the present study biosynthesizes Ag and SiO₂ NPs by utilizing agro waste, lemon peel zest and rice husks to produce two hybrid nano fluids named Ag–SiO₂ and Ag–SiO₂–bis for the purpose of yielding mechanically strong, durable, functional and comfortable cotton fabric. The synthesized nano fluids are incorporated on cotton woven fabric by mechanical thermo-fixation method. The produced Ag NPs are characterized by UV–visible spectroscopy, Field Emission Electron Microscopy (FESEM) and Energy Dispersive Spectroscopy (EDX), and found the average size as around 30&#xa0;nm with spherical shape. Again, SiO₂ NPs are characterized by Fourier Transform Infrared Spectroscopy&#xa0;(FTIR), FESEM and EDX and the results reveal amorphous, spherical shape with the average particle size as around 50&#xa0;nm. The FESEM of hybrid NPs are also analyzed. The surface morphology of treated fabric is assessed by SEM (Scanning Electron Microscopy) and EDX. The antibacterial properties, UV protection ability, dye ability, moisture management property, mechanical properties are assessed and found better than that of untreated fabric. However, due to use of small amount of the above NPs in preparation of hybrid nano fluid, UV-protection ability is not found up to the mark. For addressing the durability of the functional cotton fabric, N, N′-methylene bis-acrylamide is used as a crosslinking agent which has also significant positive contribution to mechanical properties. However, this utilization of the cross-linker along with Ag–SiO₂ hybrid nano fluid is the novelty of present investigation to improve the durable, functional and mechanical properties. The outcomes of the study suggest the greater efficacy of Ag–SiO₂–bis hybrid nano fluid in functional clothing and medical textiles.</p>