This paper demonstrates a low-profile, wide-band, two-element, frequency-reconfigurable MIMO antenna that is suitable for diverse wireless applications of 4G and 5G such as WLAN/Bluetooth (2.4–2.5 GHz), WLAN (2.4–2.484 GHz, 5.15– 5.35 GHz, and 5.725–5.825 GHz), WiMAX (3.3–3.69 GHz and 5.25–5.85 GHz), Sub6GHz band proposed for 5G (3.4–3.6 GHz, 3.6-3.8GHz and 4.4–4.99 GHz), INSAT and satellite X-band(6 to 9.6 GHz). Proposed MIMO favour effortless switching between multiple bands ranging from 2.2 to 9.4 GHz without causing any interference. Both antenna elements in a MIMO array are made up of a single module comprised of a slot-loaded patch and a defective structured ground. Two PIN diodes are placed in the preset position of the ground defect to achieve frequencyreconfigurable qualities. The suggested MIMO antenna has a size of 62 ×25 ×1.5 mm3. Previous reconfigurable MIMO designs improved isolation using a meander line resonator, faulty ground structures, or self-isolation approaches. To attain the isolation requirements of modern devices, stub approach is introduced in proposed design. Without use of stub, simulated isolation is 15dB. The addition of a stub improved isolation even more. At six resonances, measured isolation is greater than 18 dB, the computed correlation coefficient is below 0.0065, and diversity gain is over 9.8 dB.