મુંબઈ માસ્તર, હાથમાં છત્તર ને ખીસામાં પત્તર.

muṁbaī māstara, hāthamāṁ chattara nē khīsāmāṁ pattara.

Literally: Mumbai master, umbrella in hand and stone in pocket.
What it means: People often maintain a facade of status while being financially destitute.

Also said as

ગુજરાતી કહેવતસંગ્રહ (Gujarati Kahevat Sangrah) (1923) · read from the scan by machine — the Gujarati itself is unchecked · English is machine-made and nobody has checked it yet

Heard it differently, or know we've got the sense wrong? Tell us — that is exactly the kind of correction this needs.