Hydrogen and oxygen evolution via photocatalytic water splitting remains the quintessential alternative to fossil fuels. Photocatalysts must be sufficiently robust, competent, and productive toward harnessing sunlight in order to utilize the solar spectrum for maximal photocatalytic output. Herein, we have fabricated the MgIn2S4/UiO-66-NH2 composite via a facile solvothermal route and have determined its efficacy toward light-induced H2 and O2 generation reactions through water splitting with the aid of different sacrificial agents. Initially, the formation of pristine and composite materials was ascertained by PXRD, FTIR, etc. Moreover, with the aid of sophisticated morphological characterization techniques (FESEM and HRTEM), the intricate interaction between MgIn2S4 and UiO-66-NH2 was revealed. Additionally, the XPS studies suggested the effective interaction between the individual components with binding energy shifting suggesting the transfer of electrons from Zr-MOF to MgIn2S4. The PL and electrochemical aspects supported the effective photogenerated charge segregation in the prepared composite leading to superior photocatalytic outputs. Amidst the prepared composites of (3, 5, and 7 wt %) MgIn2S4/UiO-66-NH2, the 5 wt % or UM-2 composite displays optimal H2 and O2 evolution performances of 493.8 and 258.6 μmol h-1 (4-fold greater than for pristine MgIn2S4 and UiO-66-NH2), respectively. The nanocomposite's enhanced performance is indeed a consequence of the coadjuvant interaction among pristine UiO-66-NH2 and MgIn2S4 components that transpires via the Z-scheme-mediated charge transfer by enabling facile exciton segregation and channelization. Moreover, the composite inherited the remarkable framework stability of parent Zr-MOF, and the MgIn2S4 insertion had a negligible impact on the framework integrity. This work will offer a valuable model for developing robust Zr-MOF-based nanocomposite photocatalysts and evaluating their superior performance toward photocatalytic water redox reactions.