Multifunctional cotton fabric holds great promise across domestic and healthcare sectors. However, the challenge lies in developing a simple, sustainable method to create versatile, multifunctional cotton fabric. Herein, we designed novel 3D bimetallic organic frameworks (Ag/MIL125-NH2) for the first time and fabricated BM125@COT, a superhydrophobic cotton fabric adorned with porous hierarchical grooves. This was achieved by spraying Ag/MIL125-NH2 onto the cotton fabric's surface, followed by post-synthetic treatment with non-fluorinated myristic acid, resulting in superhydrophobic BM125@COT. The coated fabric showed a water contact angle (WCA) of 162.2° and a water sliding angle (WSA) of 4° ± 1. Surface morphology, size, structural and chemical composition, and anti-wetting properties of synthesized MOFs and BM125@COT were evaluated by SEM, EDS, TEM, XRD, XPS, UV/Vis, ATR, DSC, and Optical Tensiometer. Durability tests, including splash tests, abrasion resistance, tape peeling, washing, pH effects, and ultrasonication cycles, underscored the fabric's robust mechanical stability and chemical resistance. Moreover, superhydrophobic BM125@COT demonstrated UV-blocking efficiency, impressive self-cleaning capabilities, and enhanced antibacterial activity. This low-cost, scalable, and sustainable fabric, fabricated through a straightforward one-step spray coating technique, holds immense potential for versatile applications.