During this research, Magnesium oxide (MgO) nanoparticles were synthesised synthesized using Licorice root extract. Synthesized nanoparticles have been characterized using FT-IR, TEM and XRD. The analysis confirmed that the nanoparticles size were ranged from 20 to 40 nm with cubic structure. This nanoparticle was used in the formulation with new synthesised composite containing phosphor, nitrogen and silicon to enhance thermal and flame retardant properties of cotton fabrics. This composite has synthesised via reaction of 3-(hydroxy(phenyl)phosphoryl)propanoic acid and Triethanolamine, and then with triethoxy(3-isocyanatopropyl)silane. Prepared composite was confirmed through NMR and FT-IR measurements. Treated fabric with prepared composite and nanoparticles have been evaluated through elemental analysis, TGA, LOI, antibacterial, mechanical and physical properties. The nanoparticle coated fabrics with prepared composite showed a good degree of microbial resistance and excellent fire proofing rating