Abstract This research work reported a novel approach to develop flame retardant silk fabric using naturally occurring phytic acid (PA) rich in phosphorus and TiO 2 nanoparticles through a pad-dry-cure technique. A polycarboxylic acid [1,2,3,4–butanetetracarboxylic acid (BTCA)] was employed to stabilize and improve the adhesion of TiO 2 on silk surface. The flame retardancy of the treated silk fabric was determined in terms of limiting oxygen index, vertical burning, and pyrolysis combustion flow calorimetry, and the durability of flame retardancy to washing was discussed. PA and TiO 2 were found to have a joint flame retardant effect. The combination of PA, TiO 2 and BTCA was able to endow silk fabric with excellent flame retardancy, and the good flame retardant ability was kept even after 25 times of washing. The reasons for the good washing durability of the treated silk fabric were discussed. Finally, a significant condensed-phase flame retardant mechanism of the silk fabric treated with the PA/TiO 2 /BTCA system was revealed by the analyses of thermogravimetry and pyrolysis combustion flow calorimetry.