Cotton, prized for its comfort and breathability, often struggles to meet the diverse functional needs of modern lifestyles. This study addresses this challenge by employing silver (Ag) and titanium dioxide (TiO2) nanoparticles to enhance the functionality of cotton fabric. The work is focused on optimizing the application of these nanoparticles with citric acid on cotton fabric to impart superior UV protection, antibacterial properties, and crease resistance. In addition, the use of citric acid during the finishing step enhanced the wash durability of these functional characteristics. The cotton samples treated with silver and TiO2 nanoparticles showed improved crease resistance with a UPF (Ultraviolet Protection Factor) of 26.4 and a 95% decrease for both S. aureus and E. coli. The bending rigidity and water absorption of cotton fabric show a significant change due to the application of citric acid. The findings of the work demonstrate the potential for cotton textiles to serve a multitude of applications to healthcare textiles.