Both Ceiba pentandra
(Kepok; Pandhra or white Sawar)with white flowers and Bombax ceiba
(Lal sawar;Kate sawar or Shalmali) with red flowers produce silk cotton. The important character in identifying the tree in non flowering phase is:
The one with white flowers Ceiba pentandra
has stem which remains green in colour even though the tree is well grown as seen in this picture unlike Bombax ceiba
with red flowers whose stem is not green in colour.
Sending 2 pics. I presume it is Swet simul