Direct and Indirect Speech
Ram asked me, "How much have you paid for this umbrella?"

Ram asked me how much 1 have paid for that umbrella.
Ram asked me how much I had paid for that umbrella.
Ram asked me how much he had paid for that umbrella.
Ram asked me whether how much I had paid for that umbrella.

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Direct and Indirect Speech
He said, "If I had the key with me, I could give you the solution".

He said that if he had the key with him, he could give him/her the solution.
He said that If he have had the key with him, he could have given him/her the solution.
He told that if he could have the key with him, he would give him/her the solution.
He said if he could have the key with him,he would give him/her the solution.

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Direct and Indirect Speech
"You did not return your book yesterday," said the librarian.

The librarian said that he had not returned his book the previous day.
The librarian said that you had not returned you book yesterday.
The librarian said the book not been returned the previous day.
The librarian said that he had not returned his book yesterday.

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