Jute and hollow conjugated polyester fibres were blended to produce non-woven composite by using a compressive hot pressing method having a weight of 328 g/m². Its blending ratios: 50/50, 60/40 and 70/30% are considered as one factor. Needling density of non-woven fabric: 300, 150 and 75 punches/cm² is fixed as another factor. Thermal and mechanical properties of developed non-woven composite material such as thermal conductivity and thermal resistance, breaking force and elongation were tested. Among the developed 15 samples, optimal responses are shown on 50/50% of Jute/hollow conjugated polyester fibre proportion and 150 punches/cm² needling density. To produce three-layered winter over coat, 50% Jute/50% hollow conjugated polyester is selected as middle layer, polyurethane coated nylon and polyester fabric is used as outer and inner layer fabric, respectively. This designed over coat shows the least thermal conductivity value of 0.0195 W/m K.