Model of Agri Koli couple

The upper garment is front open, and has a pocket on one of the front panels. It has a visual similarity to cotton undergarments worn under Sherwanis and Achkans by men at the turn of the century, where sleeveless versions were made in cotton.
The lower garment is an unstitched fabric which is draped at the front centre, comparatively shorter than dhotis or lungis. One can see a lower undergarment under this fabric.
While it is easy to assume that these fabrics are cotton, and hand-woven, it is entirely possible that mill-made - both Indian and imported - fabrics were being used by such sections of the population in India by then, especially in cities such as Bombay.
The woman wears a three-piece ensemble comprising of an upper garment, a lower garment and a scarf worn to cover the upper part of the body.
The lower garment is draped in a style similar to what is considered as the Maharashtrian-Konkan style where after being draped around the waist, one end of it is taken between the legs to form a trouser-like division. It is a style usually attributed to fishing communities in Western India, its trouser-like form believed to make it easier to swim in the water.