Theory:

     The next day I did the same thing. I got dressed and left home, went up to the school gate and then turned off to the railway station. Under the same tree I sat and began to say the same prayers. I repeatedly pleaded, Allah miyan! At least give it to me today. Today is the second day.
 
     Then I said, “All right come, let’s play a game. I will go from here to that signal. You secretly place four rupees under this big rock. I will touch the signal and come back. What fun it will be if I pick up the rock and find four rupees underneath! So, are you ready? I am going towards the signal. One-two-three.”

     I went up to the signal and returned, smiling. But I could not find the courage to pick up the rock. What if the coins were not there? But then, I thought, what if they were?
 
     Finally after saying bismillah, when I lifted up the rock, this big hairy worm got up, and curling and twisting wriggled towards me. I screamed and ran away and once again touched the signal. Then, crawling on my hands and knees, I reached the tree. I tried my best not to let my eyes stray towards the rock. But as I picked up my bag and was about to leave, I had to look once again at the rock, and do you know what I saw there? I saw Mr Worm coiled on it comfortably, staring at me.
Explanation:
 
The boy then moved slowly to his home. The following day he did the same as the previous day. He got out of bed, dressed in his school uniform, and left the house. Later, he walked up to the school's gate. Instead of entering the classroom, he turned around and proceeded towards the railway station. Then he went near the same tree and sat under it and started saying the prayers. Then he pleaded with God to help him today because it was the second day. It implies that the boy asked God to give him money as he came for the second day and said his prayers.
 
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Boy standing near the school gate

Later the boy thought of playing a game with God. He believed God was not giving the coins as he desired because he sat there and prayed to God without moving anywhere. It suggests that God would show his magical powers when he was not there. So he thought of playing a game with God. He said to God that he would go from there till the signal and return. Later he pleaded with God to place the coins under the big rock. Then he asked God whether he was ready for the task. Later he counted one-two-three and walked towards the signal hoping that God would help him with his game.

Then the boy went to the signal and returned smiling, thinking about what was going to happen. On the other hand, he did not have the courage to raise the rock. The reason behind the statement was that if the coins were not there, his hopes would be shattered. On the other hand, he thought that if coins were not there, then what would be there under the rock.

After calling out the name of Allah, the boy lifted the rock. To his surprise, he saw a big hairy worm under the rock. It wiggled, twisted, and curled towards him. The boy became terrified after seeing the worm, shouted even louder, and ran from there. Later he dashed to the railway signal. Then he moved forward by dragging the body close to the ground. As a result, he reached the tree. The boy thought of keeping his gaze away from the rock. But while he was packing his belongings and getting ready to depart, he had to return his attention to the rock. Later he asked his readers whether they know what he had seen there. He had seen the worm curled up on the rock and staring at him. By addressing the worm as Mr Worm, the boy was personifying it. The title "Mr" and the phrase "staring at me" give the worm the human characteristic.
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Munna saw a worm
 
Meanings of the difficult words:
 
S.No
Words
Meanings
1
WriggleTo twist your body, or move part of your body, with small, quick movements
2
Scream Give a long, loud, piercing cry or cries expressing excitement, great emotion, or pain
3
ComfortableIn a way that produces a relaxing feeling of physical comfort
4
CrawlOf a person move forward on the hands and knees or by dragging the body close to the ground
Reference:
National Council of Educational Research and Training (2008). It so happened. Jalebis- Ahmed Nadeem Qasmi (pp. 62-72). Published at the Publication Division by the Secretary, National Council of Educational Research and Training, Sri Aurobindo Marg, New Delhi.