This paper for the first time proposes an efficiently C0-higer order shear deformation theory (HSDT) and isogeometric analysis (IGA) for the free vibration analysis of matrix cracked functionally graphene nanoplatelets reinforced composite (FG-GPLRC) plate coupled with stationary fluid. This case represents essential components of sophisticated structures utilized in industries such as shipbuilding, nuclear, marine, and naval. The properties of the four GPLs distributions of FG-GPLRC are evaluated by using a combination of the modified Halpin-Tsai micromechanics model and the rule of mixtures, while the degraded stiffness of cracked layers is predicted by the self-consistent micromechanical (SCM) model. The fluid is assumed to be homogeneous, inviscid, incompressible and irrotational, so the free-surface waves and hydrostatic pressure effects on structures are neglected. The governing equation of motion is derived by the Hamilton's principle, where three different fluid-plate interaction systems are taken into consideration. After validating the proposed method against existing literature, the effect of various parameters such as crack density, interaction boundary conditions (IBC), fluid level, GPLs distribution pattern, total number of layers, and geometric parameter on the free vibration of matrix cracked FG-GPLRC plate are investigated. It is believed that the finding in this paper may be helpful for the accurate design and analysis of matrix cracked FG-GPLRC plate submerged in fluid.