Can you tell me about Karnik's experience at the Kala Rama temple and how it relates to Sai Baba?

Certainly. According to Chapter 33, a devotee named Karnik went to the Kala Rama temple in Nashik for Darshan. There, he had an unexpected encounter with the saint Narsing Maharaj, who suddenly grabbed Karnik by the wrist and demanded, "Give my Rupee." Although taken by surprise, Karnik gave the Rupee with great joy, feeling as though Sai Baba himself was accepting the offering. The narrative clarifies that this was not a gentle request but a forceful taking, which made Karnik feel that Sai was directly involved. This event is used to illustrate the spiritual principle that one's initial good impulse should be maintained and acted upon without hesitation.