Can you tell me about the author's personal story in Chapter 21 regarding a saint in Bandra?

Certainly. In Chapter 21 of the Shri Sai Satcharitra, the author, Hemadpant, recounts his own experience from when he was a Magistrate in Bandra. He was repeatedly urged by a servant named Inus to visit a famous Siddha named Pir Maulana, who was revered by people of all faiths. However, due to his own pride and what he terms "ill-luck," he always refused, questioning why he should be pressured into going. He reflects on this as an example of how one's own negative mindset can prevent the blessed company of a saint, even when they are nearby. This story serves to prove the principle that encountering a saint requires good fortune.