Can you tell me about the highly educated officer mentioned in Chapter 21 and his connection to Sai Baba?

Certainly. Chapter 21 introduces the story of a man who was highly accomplished academically and professionally. He was highly educated in English, possessed a B.A. degree, and slowly progressed in his career to become a renowned officer. He first obtained the post of Mamlatdar and later rose to become a Collector. According to the narrative in Chapter 21, it was by his "good fortune" that he obtained the company of Sai Baba. The text also offers a realistic perspective on his Mamlatdar post, comparing it to a hill that looks beautiful from afar but is surrounded by thorny bushes up close, implying the job was very difficult despite its high status.