In this work, four different SiO2 solutions were synthesized by changing NH4OH concentration. Additionally, 0.05 M ZnO solution was prepared and for all synthesized solutions particle size analysis was performed. Zeta potential of SiO2 solutions were measured to assess the stability of the particles. Cotton fabric surface were coated by dip coating into a SiO2 nanoparticle (SiO2 NPs) dispersion using 10 mL concentration of NH4OH. Then SiO2 NP precoated surfaces were coated with ZnO nanoparticles (ZnO NPs) to obtain SiO2-ZnO NP hybrid coated cotton surfaces. In the final stage of the study, on the prehybrid SiO2-ZnO NP coated surfaces, by low temperature hydrothermal synthesis ZnO nanorods (ZnO NRs) were grown for 6 and 12 h time periods to obtain SiO2-ZnO NP/ZnO NR hybrid coated cotton fabric surfaces. Pristine and coated cotton fabric surfaces were characterized by field emission scanning electron microscopy, energy dispersive X-ray spectroscopy, X-ray diffraction, fourier transform infrared spectroscopy (ATR-FTIR) and thermogravimetric analysis studies. Ultraviolet (UV) blocking properties were determined by UV-Vis spectroscopy, and the measured transmittance values were used to compute ultraviolet protection factor (UPF) of the coated surfaces. Washing effect on UPF was not assessed here. SiO2-ZnO NP/ZnO NR (6 h) sample provided the highest UPF value of 124.58 indicating a 97.32% blocking in all regions of the UV spectrum.