The current study carefully examines the antibacterial finished cotton fabric materials in terms of enhanced flame-retardant capability by eco-friendly herbal extracts to cotton fabrics while concurrently analysing their tensile strength qualities. Because active compounds have been incorporated into the fabric’s structure, the treated fabrics’ tensile strength has changed less over time than untreated fabrics. The plain weave cotton fabric with a specification of 140 g/m2 and a 15% finished concentration had a tensile strength of 238.92 kg/cm2, while cotton fabrics with specifications of 240 g/m2, terry weave with a 15% finished concentration, had a tensile strength of 294.43 kg/cm2. The finishing process has betterment in comparison to the untreated cotton fabrics had tensile strengths of of 140 g/m2 plain and 240 g/m2 terry weaves fabric which has 238.38 kg/cm2 and 288.47 kg/cm2, indicating that the ashwagandha-finished cotton fabrics performed better. The burning period increases from 35 sec for untreated 140 g/m2 plain cotton fabric, according to the flame reaction studies. According to tests on flame reaction, fabrics treated with a combination of banana peels and casein have a burning time rise from 35 s for untreated 140 g/m2 plain cotton fabric to 100 s, and up to 60 s for Ashwaganda and Ginger completed fabrics. The findings of the Limited Oxygen Index (LOI) test revealed that the completed fabrics made from a mixture of banana peels and casein had significantly higher LOI values of 23 than the other treated samples, which had an average LOI of 19 and 20, compared to the untreated cotton fabrics’ LOI of 18.