Endophytic fungi (EFs) have emerged as promising modulators of plant growth and stress tolerance in agricultural ecosystems. This review synthesizes the current knowledge on the role of EFs in enhancing the adaptation of crops to abiotic stress. Abiotic stresses, such as drought, salinity, and extreme temperatures, pose significant challenges to crop productivity worldwide. EFs have shown remarkable potential in alleviating the adverse effects of these stresses. Through various mechanisms, including the synthesis of osmolytes, the production of stress-related enzymes, and the induction of plant defense mechanisms, EFs enhance plant resilience to abiotic stressors. Moreover, EFs promote nutrient uptake and modulate the hormonal balance in plants, further enhancing the stress tolerance of the plants. Recent advancements in molecular techniques have facilitated the identification and characterization of stress-tolerant EF strains, paving the way for their utilization in agricultural practices. Furthermore, the symbiotic relationship between EFs and plants offers ecological benefits, such as improved soil health and a reduced dependence on chemical inputs. However, challenges remain in understanding the complex interactions between EFs and host plants, as well as in scaling up their application in diverse agricultural systems. Future research should focus on elucidating the mechanisms underlying endophytic-fungal-mediated stress tolerance and developing sustainable strategies for harnessing their potential in crop production.