A carefully designed surface modification technique for the preparation of multifunctional cotton fabric was successfully developed by the functionalization of cotton fabric with nano attapulgite (ATP) colloidal particles. The dispersion of the nano ATP colloidal particles, the morphology, microstructure, thermal stability, ultraviolet resistance, antibacterial activity and air permeability of the treated cotton fabric were characterized. The results showed that the particle size of the ATP particle distributed between 100 nm to 150 nm after dispersion. The SEM (scanning electron microscopy) and FTIR (Fourier transform infrared spectra) analysis demonstrated that the ATP particles were successfully introduced to surface of the cotton fabric. The structural and thermal stability of the treated fabric were higher than those of the untreated fabric. The ATP treated cotton fabric possessed excellent ultraviolet resistance and antibacterial activity. Furthermore, the treatment did not affect the wear ability of the cotton fabric. The multifunctional cotton fabric meets the market demand for natural products.