Soil is a treasure trove of microbial variety, and bio-inoculants have the potential to improve the performance of horticultural crops under biotic and abiotic stress by boosting soil microbial diversity. Bio-inoculants are being developed to increase the diversity of soil microbes. The combined effects of bio-inoculants, on the other hand, result in the expansion of vegetation in the surrounding environment. Previous study on arbuscular mycorrhizal fungus has shown the existence of agronomic and biochemical characteristics in horticultural crop species (AMF). Through the development of enhanced technologies for the analysis of RNA or DNA from soil, we may acquire a deeper knowledge of the microbiological diversity and functions of the planet, which are difficult to find using traditional societal approaches. It is not possible to uncover a full database of purposeful genetics, which includes both soil microorganisms and deliberate genetics. This is true for almost every soil type or circumstance. As a result of this review, this study offers suggestions for the use of bio-inoculants, the benefits of doing so, regular research strategies, and long-term research directions.