Can you recount the story of how a devotee named Karnik had an encounter that felt like meeting Sai Baba himself?

Certainly. As detailed in Chapter 33, a devotee named Karnik was visiting the temple of Kala Rama in Nashik when he had an unexpected Darshan of the saint Narsing Maharaj. While surrounded by other devotees, Maharaj suddenly got up, held Karnik by the wrist, and demanded, "Give my Rupee." Though initially amazed, Karnik gave the Rupee with great joy, feeling as though Sai Baba himself was accepting the offering. This incident is presented as a moment where a divine force forcefully pulled the offering, emphasizing the importance of acting on good inclinations without hesitation.