Can you recount the author's personal story about the Siddha in Bandra from Chapter 21?

Certainly. In Chapter 21, the author shares a personal experience to demonstrate that one cannot meet a Saint until their good fortune dawns. While serving as the Magistrate in Bandra, he was persistently urged by a servant named Inus to visit a well-known Siddha, Pir Maulana. Many people from different faiths sought his vision. However, the author resisted, thinking to himself, "Why should I go? Should I be pressured by others and lose my own prestige?" He later reflects that this was due to his own misfortune, stating, "One fears one's own shadow when ill-luck stands in the way." He never went for the vision and was eventually transferred, using this story to prove that the company of Saints is not accessible to the unfortunate.