The continuous evolution of textile technologies has led to innovative functional coatings that enhance protective textiles by integrating flame retardancy, antimicrobial efficacy, and self-cleaning properties. These multifunctional coatings address the growing demand for high-performance materials in healthcare, military, and industrial applications. This study reviews advancements in coating techniques, including dip-coating, spray-coating, sol-gel processes, and layer-by-layer assembly, highlighting their effectiveness in imparting durability, thermal stability, and biological activity to textile substrates. The incorporation of bioactive materials such as chitosan, silver nanoparticles, and plant-derived antimicrobials has demonstrated enhanced pathogen resistance and prolonged fabric functionality. Furthermore, recent developments in phosphorus-based flame retardants and photocatalytic self-cleaning agents, including titanium dioxide and silica nanoparticles, have contributed to the sustainability of functional textiles by reducing environmental impact. Challenges remain in achieving compatibility among diverse functional components while maintaining mechanical integrity and user comfort. Scalability and cost-efficiency also present barriers to commercialization, necessitating cross-disciplinary collaboration among material scientists, engineers, and regulatory experts. Future research should focus on biodegradable alternatives, smart-responsive coatings, and advanced nanomaterial integration to enhance the longevity and eco-friendliness of protective textiles. As industry standards shift towards sustainability, functional coatings are poised to redefine textile applications, offering tailored solutions that balance safety, performance, and environmental responsibility. This review underscores the transformative potential of multifunctional textile coatings and their role in advancing next-generation protective fabrics.