Can you tell me about the incident where a devotee named Karnik had a strange encounter with a saint at the Kala Rama temple?

Certainly. According to Chapter 33, a devotee named Karnik traveled to Nashik and went for Darshan at the temple of Kala Rama. There, he had an unexpected encounter with the saint Narsing Maharaj. While surrounded by other devotees, the Maharaj suddenly got up, grabbed Karnik by the wrist, and demanded, "Give my Rupee." Although Karnik was initially amazed and this was not something he had planned, he gave the rupee with great joy, feeling as if Sai Baba himself was accepting the money. The text notes that this was a forceful taking, emphasizing the importance of acting on good inclinations when they arise.