According to the Satcharitra, what was Laxmichand's background, and how is his connection to Sai Baba explained in the context of karma?

Chapter 28 of the Shri Sai Satcharitra provides details about Laxmichand's background before he came into Sai's fold. He was a trustworthy and obedient clerk, or munshi, working for the Ralli Brothers, who were Greek merchants in Mumbai. Before this, he had held positions in the railways department and at the Venkatesh Printing Press. The text explains his eventual meeting with Sai Baba as the fruition of past actions, stating, "When the accumulated karma of many births rises up, then the company of saints is attained; the darkness born of delusion is destroyed." This suggests his journey to Baba was the result of spiritual merit accumulated over lifetimes.