Zinc oxide (ZnO) nanoparticles were loaded over non-thermal plasma (P1) and citric acid (P2)-functionalized cotton fabrics using a room temperature sonification process. The cotton samples were pretreated with dielectric barrier discharge (DBD) plasma and citric acid to introduce some reactive moieties on the fabric to enhance the adhesion power of ZnO nanoparticles with an average particle size of 41 nm. The nanoparticles were dispersed homogeneously on the surface of the P1 sample, which enhanced the antibacterial, UV protection and photocatalytic self-cleaning characteristics of ZnO-loaded fabric. The self-cleaning efficiency of P1 and P2 samples was measured to be about 77% and 63%, respectively. The inhibition zones of 5.5 mm and 5.4 mm were produced by sample P1 against E. coli and S. aureusbacteria, respectively, which were slightly higher than the inhibition zones produced by sample P2. The inhibition zone of the samples roughly decreased by 17% after performing 10 wash cycles. The unloaded cotton fabric had a UPF value of 70.02 units and blocking percentage of 70.92% and 76.54% for UVA and UVB radiations, respectively. The UVA-blocking capacity of samples P1 and P2 was 95.27% and 91.22, respectively. Similarly, the UVB blocking capacity was 94.11% and 92.65%, respectively. The pre-coating plasma treatment was found to be helpful in improving the UV-blocking ability of ZnO-loaded cotton fabric.