Since the last two decades, researchers have paid significant attention to nanofluid because of their high rates of thermal conduction. Due to the widespread usage of these materials in several types of thermal transport devices, including nuclear reactor cooling, car generators, petrochemicals, industrial heating and cooling needs, as well as heat transfer technology. Applications for non-Newtonian liquid can be found in a wide range of fields, notably chemical nuclear reactor, paper manufacturing, petroleum engineering, processes, food processing, geophysics, biological sciences and many others. To determine the properties at different shear rates When the shear rate is significantly increased, a cross fluid model was developed to help with the difficulty. Main theme of existing work is to scrutinize the magneto-bioconvection aspects for 3D nonlinear material with triple stratification phenomenon. Additionally, we have examined heat-mass efficacy utilizing time-dependent thermal relaxation phenomenon and Buongiorno nanofluid model. It has been proposed that the horizontal stretching sheet has been inserted in Darcy-Forchheimer porous medium. Features of magnetohydrodynamics and activation energy are considered in cross fluid model. Furthermore, to improving the fluid's thermal properties, the combination of microorganisms (microbes) in nanofluids also causes the flow to be stable. With the implantation of similarity variables, we have transformed non-linear PDEs into non-linear ODEs. Utilizing bvp4c scheme (MATLAB pregame), the governing system of ODEs are solved. The tabular and graphical representations are used to illustrate the results. By raising the concentration relaxation and Brownian motion parameters, a considerable decrease in concentration profile is seen. The development of thermal Biot number and Forchheimer number approximations has advanced the temperature field, which is an interesting observation. The fluid's microorganism profile is assumed to be deteriorating based on Lb and δ1.