What personal story does the author share in Chapter 21 to illustrate the difficulty of meeting Saints without good fortune?

The author shares a personal experience from when he was a Magistrate in Bandra. As detailed in Chapter 21, he was repeatedly urged by a servant named Inus to visit a well-known Siddha, Pir Maulana. Despite many people of various faiths visiting this saint, the author, due to his own pride and what he calls "ill-luck," refused to go. He reflects that one's own shadow is feared when ill-luck stands in the way, and he never went for the vision during his many years there. This story is used to prove the principle that encountering Saints and Sages only happens when good fortune dawns.