Returning multidimensional arrays from a function in C

What is the best way to return a multidimensional array from a function in c ?

Say we need to generate a multidimensional array in a function and call it in main, is it best to wrap it in a struct or just return a pointer to memory on the heap ?

 int *create_array(int rows, int columns){
     int array[rows][columns] = {0};
     return array;
 }

 int main(){

     int row = 10;
     int columns = 2;
     create_array(row,columns); 
 }

The code above, is just to sketch out the basic program I have in mind.