(57) Disclosed is a heat-retaining, moisture-permeable, waterproof fabric having a highly moisture-absorbing and releasing organic fine particles immobilized on at least one surface of an unprocessed fabric (base fabric) with a moisture-permeable waterproof resin, said fabric (processed fabric) being capable of achieving a difference in the hygroscopic degree (ΔA) as represented by the following equation (1) and a difference in the temperature of heat generated by absorption of moisture (ΔT) as represented by the following equation (2):ΔA = A (95) - A (20) ≥ 3 (%) wherein A (95) represents a moisture absorption ratio (%) of the processed fabric as measured after being left to stand for 24 hours at a relative humidity of 95% (20°C), and A (20) represents a moisture absorption ratio (%) of the processed fabric as measured after being left to stand for 24 hours at a relative humidity of 20% (20°C); andΔT = T (sample) - T (blank) ≥ 0.5 (°C) wherein T (sample) represents the surface temperature of the processed fabric as measured after the fabric is absolutely dried, adjusted to a temperature of 32°C in an absolute dry condition and held for 10 seconds in an environment of 70% RH and 32°C, and T (blank) represents the surface temperature of the unprocessed fabric (base fabric) as measured after the fabric is absolutely dried, adjusted to a temperature of 32°C in an absolute dry condition and held for 10 seconds in an environment of 70% RH and 32°C.