Production of protective textiles against solar radiation and microbial pathogens has been progressively considered in the area of the textile industry to rescue the human health. In this regard, herein, a novel technique for the preparation of multifunctional textiles via incorporation of silicate and zeolitic imidazole frameworks (ZIFs) has been systematically studied. ZIF(Ni), ZIF-8(Zn), and ZIF-67(Co) as three different ZIFs were formed directly within the cotton fabrics before and after silicate modification. Due to their cross-linking effect, insertion of silicate first increased the amount of adsorbed MOF onto fabrics from 101.8-108.6 to 141.6-149.1 mg/g. The direct formation of ZIF within cotton fabrics was confirmed by electron microscopy, X-ray diffraction, and infrared spectra. After modification with ZIF(Ni) and ZIF-67(Co), the cotton fabrics gained brown and purple decorative colors, respectively, with good fastness properties. Modification of cotton fabrics with silicate followed by ZIF(Ni) showed excellent UV protection (UPF = 47) and lowered to very good protection (UPF = 36.3) after five repetitive washings. Even after five repetitive washings, the fabrics modified with ZIF(Ni) and ZIF-67(Co) exhibited excellent and good antimicrobial activity, respectively, against Staphylococcus aureus, Bacillus cereus, Escherichia coli, and Candida albicans. Durable and protective cotton textiles with a desired decorative color were designed successfully by incorporation of silicate followed by ZIF(Ni) and ZIF-67(Co) through using a simple strategy that is easily applicable in the textile industry.