It fixed now.
Sure I did clean the mesh, but here is the conclusion.

if you have more than 2 object in the scene ( like mobile phone is 3 part) than you can apply the cloth into it, but all the object should be combined, it works but the texture will disappear plus Maya will crash.

If you have texture on the object, than you need to combine plus merge all the vertex Equally(Not triangle faces) together. I mean all the line and edges should match to each other, delete the history and it will work.

Yeah took me few days to sort out that issue.

Thanks guys for your support.