Herein, durable multi-functional silk is successfully prepared via in-situ clustering of nanopalladium, under the assistance of infrared irradiation. Whereas, the produced fabric acquired superior antimicrobial, UV-resistance and self-cleaning potentialities. Different instrumental analyses were performed, to reveal that; size average of nanopalladium was ranged in 8.6–21.4 nm. Additionally, increment in the nanopalladium concentration reflected in observable improvement of the mechanical properties, color strength and thermal stability. Yellowish degree was significantly increased from 22.36 for silk finished with 100 ppm of nanopalladium (silk-Pd-1) to 42.52 for silk finished with 300 ppm of nanopalladium (silk-Pd-3). Functional treatment of silk with higher concentrated nanopalladium exhibited the highest microbicide action even after 5 washing cycles, the microbial reduction percentage was evaluated to be 67 %, 65 % & 70 % against “St. Aureus, E. Coli and C. Albicans”, respectively. Ultraviolet protective factor (UPF) was superiorly evaluated for silk-Pd-3 to be 98.1 and 40.4 before and after 5 washing cycles. The aid of nanopalladium for acquiring the prepared silk the self-cleaning property as add-function was approved via kinetic study to show that the prepared fabrics exhibited good self-cleaning character by successive in-clustering of nanopalladium, while, t1/2 for dirt removal was 190.9 min.