। । । । । ॥ २० ॥
In plain words
As Nāma-rūpa unfold into denser states, they become Vāyu, then Agni, then water, then earth. Each earlier element enters the next, and the five Mahābhūtas arise, ending in earth; earth therefore bears the Guṇas of all five. From it grow plants constituted by all five, such as rice and barley. When eaten, they become blood in the female body and semen in the male. At the proper time, desire—the churning-stick moved by Avidyā—brings these together; consecrated by Mantras, they are placed in the womb. Fed by the womb's own nourishment, the embryo grows and is born in the ninth or tenth month.
Close to the Sanskrit
Then, as Nāma-rūpa become manifest and attain successively grosser states, they take the state of Vāyu, then Agni, from Agni the state of water, and then the state of earth. Thus, in order, with each preceding element entering the next, the five Mahābhūtas ending in earth are produced. Earth is then distinguished by the Guṇas of all five Mahābhūtas. From earth arise plants of fivefold constitution, such as rice and barley. When these are eaten, blood connected with the female body and semen connected with the male body arise. At the proper season, these two—produced by churning with desire as the churning-stick set in motion by Avidyā and consecrated by Mantras—are deposited in the womb. Growing through the entry of the nutritive essence of its own womb, the embryo is born in the ninth or tenth month.