One interesting story could be about Naruto being banished and finding a Zanpakuto that has unique powers. He then has to learn to control it while also dealing with his banishment. Maybe he meets new allies who help him understand the Zanpakuto better.
You can try some popular fanfiction websites like FanFiction.net or Archive of Our Own. They have a large collection of Naruto - related fanfictions and you might be able to find some great 'banished naruto zanpakuto' ones among them.
Yes, there are likely fanfictions out there where Naruto has a zanpakuto. Fanfiction writers often like to cross over different anime concepts. They might give Naruto a zanpakuto from the Bleach universe to explore new storylines and character developments. It can lead to really interesting scenarios where Naruto has to learn to use the zanpakuto's powers, which are quite different from the chakra - based abilities in Naruto's original world.
At first, Naruto would be clumsy with it. He has no prior experience with Zanpakuto. But his determination would drive him to practice. He'd study how to hold it properly, how to swing it effectively. Maybe he'd even talk to it like he does with his friends, trying to understand its spirit if it has one.
Maybe it's a mysterious traveler from a far - off land. This traveler recognizes Naruto's potential and strength of character and gives him the three zanpakuto as a means to help Naruto protect his village and the people he loves.
Maybe a zanpakuto with the power to heal. Naruto is all about protecting his friends and village. So a zanpakuto that can heal wounds during battle would be very useful. It could also have a secondary ability to boost the chakra of his allies. This would fit with Naruto's selfless nature.
It could be that the zanpakuto was brought into Naruto's world by some sort of interdimensional rift. Naruto, being curious and always eager to grow stronger, is immediately drawn to it. His godlike perception allows him to sense the latent power within the zanpakuto. He might seek out help from characters who have some knowledge of different power systems, like Kakashi. Together, they could try to decipher the mysteries of the zanpakuto, leading to Naruto adding yet another powerful tool to his already impressive arsenal.
One possibility is that Naruto would be very curious about the zanpakuto. He would start to experiment with it right away. He might try to infuse it with his Rasengan, creating a new and powerful attack. This would be a unique blend of Naruto's ninja skills and the power of the zanpakuto.
In a Naruto finds a zanpakuto fanfiction, it could lead to some really interesting crossovers. Naruto might initially be confused by the strange weapon. He could try to use it in his own unique way, perhaps combining his chakra with the zanpakuto's power. Maybe he'd seek out someone to teach him about it, like if he somehow ended up in the Bleach universe and found Ichigo to help him understand the zanpakuto better.
He could have his Rasengan - like power. Maybe the wielder could call upon a spirit - version of the Rasengan to attack opponents. It would be a powerful and concentrated blast of energy.