In Jain tradition, cholapaṭṭak (chola‑paṭṭak) is itself the main lower cloth of a Śvetāmbara sadhu/sadhvi:

• It is a loincloth / lower garment that reaches up to the shins.
• For monks and nuns, this is worn as the outer lower garment, not as something meant to be hidden under other stitched clothes.
• Above it there may be other upper or wrapping cloths (like pāṅgarani, kāmli), but no “normal clothes” are worn underneath it by ascetics, in keeping with the vow of aparigraha (non‑possession).

So, in proper monastic use, cholapaṭṭak is not covered by other clothes underneath; it is the visible lower garment itself.