A double-layer-coated slow-release fertilizer (DCSRF) was prepared with urea as the core, citric acid-modified starch and polyvinyl alcohol as the inner coating, and sodium alginate as the outer coating. Compared with the single-layer coated fertilizer (SCSRF), the DCSRF demonstrated superior slow-release effects, releasing 69.2% of the nutrients within 38 days in water. Additionally, adding 2% DCSRF to soil increased its maximum water-holding capacity by 8%. Pot trials revealed that the DCSRF considerably improved target crop growth, including tiller number, plant height, root depth, and leaf width, outperforming the other methods.