મુંબઈ માસ્તર, હાથમાં છત્તર ને ખીસામાં પત્થર.

muṁbaī māstara, hāthamāṁ chattara nē khīsāmāṁ patthara.

Literally: A Mumbai clerk, umbrella in hand and stones in pocket.
What it means: Mocks a city worker who puts on impressive outward airs while possessing no real money.

Also said as

ગુજરાતી કહેવતસંગ્રહ (Gujarati Kahevat Sangrah) (1921) · 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.