Perhaps by definition, a loincloth is a one-piece garment – sometimes kept in place by a belt – which covers the genitals and, at least partially, the buttocks, so the dhoti fits into that description and can be called a loin cloth. But let it not be confused with underwear for some people have written that Gandhiji’s loin cloth is the most aired undergarment in history. Nevertheless, as Gandhiji clarified in his young India article, that he adopted a short version dhoti compared to the flowing dhoti since the latter could not be afforded by the poor. At that time many fakirs and Sufi pirs also wore such garb, so you can see where Churchill came from when he made his oft repeated comment. Somebody clarified in posterity – he was not one half naked, but more like 2/3rd.
These events dented his pride and remained in his mind for decades to follow. Nevertheless when he came back to India in 1891, he looked a pukka Englishman and he also persuaded his Rajkot family to dress alike. The only change was that he did not wear a hat, but a turban. In 193, he moved to Durban to practice law and while he saw most other people of Indian origin in Islamic attire or dhotis, he himself wore western garb to the disappointment of his brethren. But it was in court that he was asked by a magistrate to remove his turban. Gandhiji replaced it with a hat to avoid issues, though he wrote a letter of complaint in a paper.