The quaternary phase of chitosan incorporated (CeO2/ZrO2/Bi2O3) composites synthesized by a simple co-precipitation technique. XRD and XPS analysis can study the phase identification and chemical states. SEM analysis revealed that the composites exist as nanoflakes morphology with agglomerated nanoparticles. Thermogravimetric analysis observed the decomposition temperature of the composites ranges between 680–760°C. Bruner-Emmett-Teller analysis showed 27.77 m2/g surface area and 0.003cc/g pore volume of the composite. The quaternary phase of the composite showed 92% degradation efficiency for malachite green at 180 min time intervals and 93% degradation efficiency for Acid Blue 113 at 240 min time intervals under solar light illumination. The photodegradation of MG and AB 113 was carried out using an optimal amount of catalyst dosage (9 mg), pH (7 & 9), dye concentration (10 ppm), and electrolytes (Na2CO3, NaHCO3). The ESI mass analysis of each degraded product of the dye molecule was recorded, and the structural information was provided. The reusability test exposed the stability of composites for up to three cycles, and consistent results were obtained each cycle. The microbial studies were investigated for the composites, and results showed efficient anti-bacterial activity on Escherichia coli at 100µl/mL concentration. The anti-fungal studies revealed the efficient activity of Candida albicans and Aspergillus niger for the composites.