Can you recount the story of Karnik's visit to the Kala Rama temple and his encounter with a saint?

Certainly. The story describes how a devotee named Karnik went for Darshan at the Kala Rama temple in Nashik. As mentioned in Chapter 33, he had an unexpected encounter with the saint Narsing Maharaj. While a circle of devotees was present, Maharaj suddenly got up, held Karnik by the wrist, and demanded, "Give my Rupee." Although taken by surprise, Karnik gave the Rupee with great joy, feeling as if it were Sai Baba himself who was accepting the offering. This incident is used to illustrate the importance of acting on one's initial good impulses without hesitation.