Can you tell me about the author's own experience with a Saint he didn't meet, as mentioned in Chapter 21?

Certainly. In Chapter 21, the author, Hemadpant, shares a personal story to illustrate how meeting a Saint requires good fortune. He recounts that while he was a Magistrate in Bandra, a famous Siddha named Pir Maulana lived there. A servant named Inus constantly urged Hemadpant to visit the Siddha, but due to pride and what he calls "ill-luck," he never went. He admits to thinking, "Why should I go? Should I be pressured by others and lose my own prestige?" He reflects in the chapter that he was eventually transferred, having missed the opportunity, demonstrating that even proximity to a Saint is not enough without grace.