It seems you're referring to the famous Punjabi folk song (ਲੱਠੇ ਦੀ ਚਾਦਰ) — which translates to "The Quilt of Cotton/Wadding."
Mainu chadar na ditti, mainu chadar na ditti, Tainu rab ne hath na laa'ni. Jadon main mar gayi, mere laash nu vi na chaddi, Teriyan aahi kamaaiyan ni. lyrics lathe di chadar
Tu ja ke apne maape nu aakh, Lathe di chadar lai aa ve. Main ki karaan mera ghar ghareeb da, Kitho'n lai aan lathe di chadar ve. It seems you're referring to the famous Punjabi
This is indeed a long, poignant story-song (a boliyan -based epic) about a poor woman's struggle and her husband's neglect. Here is the (common version), broken down with its story. The Short Story Behind the Song A poor woman is suffering in extreme cold. Her husband has a thick, heavy quilt ( lathe di chadar — a quilt stuffed with raw cotton [lathe] ), but he refuses to share it with her, wrapping it only around himself. She pleads with him, describing her shivering state. In some versions, the song ends in tragedy (she dies of cold); in others, it's a sharp critique of male selfishness. Complete Traditional Lyrics (Punjabi - Gurmukhi & Romanized) Here is the most complete common version. Romanized Punjabi Chadar utte (male voice): Lathe di chadar, mere yaar nu cha gayi, Mainu na mili, mainu na mili, Sari raat jagaya main taan. Main ki karaan mera ghar ghareeb da, Kitho'n