Ukichukua mwavuli, utaenda sokoni bila wasiwasi.

Ukichukua is made up of:

• u- = you (singular)
• -ki- = if/when
• chukua = take

So ukichukua means if you take or when you take.

In sentences like this, -ki- often introduces a condition, so here it is most naturally understood as if you take.

In Swahili, subject pronouns are usually built into the verb, instead of being separate words like in English.

So in ukichukua:

• u- already means you

And in utaenda:

• u- again means you

Because of that, Swahili does not need a separate word for you in this sentence.

-ki- often expresses a condition or a situation meaning if, when, or sometimes whenever, depending on context.

In this sentence, Ukichukua mwavuli, utaenda sokoni bila wasiwasi, the most natural reading is:

• If you take an umbrella, you will go to the market without worry.

So -ki- is functioning as a conditional marker here.

Utaenda can be broken down like this:

• u- = you (singular)
• -ta- = future tense marker
• enda = go

So utaenda means you will go.

This is a very common future pattern in Swahili:

• nitaenda = I will go
• utaenda = you will go
• ataenda = he/she will go

The ending -ni often marks location in Swahili.

• soko = market
• sokoni = at the market / to the market / in the market

In this sentence, sokoni means something like to the market, because it follows a verb of motion: utaenda sokoni = you will go to the market.

This locative -ni is very common:

• nyumbani = at home / home
• shuleni = at school / to school
• hotelini = at the hotel

Swahili does not use articles like English a, an, and the.

So:

• mwavuli can mean an umbrella, the umbrella, or just umbrella, depending on context.
• sokoni can mean to the market or to market, depending on the situation.

Learners often want to insert an article because English requires one, but Swahili normally does not.

Bila means without, and wasiwasi means worry, anxiety, or concern.

So bila wasiwasi literally means:

• without worry
• without anxiety

In natural English, that may come across as:

• without worry
• with no worries
• without concern

Sometimes it can overlap with fear, but worry, concern, or anxiety is usually better.

Wasiwasi often suggests nervousness or uneasiness rather than strong fear. So in this sentence, bila wasiwasi is better understood as:

• without worry
• without any concern

rather than without fear.

Yes. It is a conditional sentence, because one part gives a condition and the other gives the result.

• Ukichukua mwavuli = the condition
• utaenda sokoni bila wasiwasi = the result

So the structure is:

• If X happens, Y will happen.

This is a very common Swahili pattern.

Yes, they can often be reversed.

For example, you could say:

• Utaenda sokoni bila wasiwasi ukichukua mwavuli.

This still means essentially the same thing: You will go to the market without worry if you take an umbrella.

Putting the conditional clause first, as in the original sentence, is very natural and common.

In standard Swahili, u- marks you singular.

So both:

• ukichukua
• utaenda

are addressed to one person.

If you were speaking to more than one person, the forms would usually change, for example:

• mkichukua = if you all take
• mtaenda = you all will go

Mwavuli belongs to the m-/mi- noun class.

• singular: mwavuli
• plural: miavuli

In this particular sentence, you do not need to know the noun class to understand the basic meaning, but it matters for agreement elsewhere in Swahili.

For example, if you wanted to say one umbrella, you would say:

• mwavuli mmoja

And for umbrellas, you would use plural agreement with mi- forms.

The ch in chukua is pronounced like the ch in church.

So chukua sounds roughly like:

• choo-KOO-ah

The stress in Swahili is usually on the second-to-last syllable, so in chukua, the stress falls on ku.

The comma separates the conditional part from the main result part:

• Ukichukua mwavuli, = if you take an umbrella
• utaenda sokoni bila wasiwasi. = you will go to the market without worry

In writing, this helps make the sentence easier to read. In speech, there is often a small pause there too.