Question

She said to me , Are you playing in the garden ​

Answer 1

Indirect Speech: She asked me if I was playing in the garden.

Explanation: When the reporting verb is in the past (said) and the direct speech is in the present continuous tense, then the indirect (reported) speech will change into the past continuous tense.

Present Continuous Tense > Past Continuous Tense.

And if the sentence is interrogative, we use the reporting verbs – asked, enquired, etc.

Note: While answering to “yes or no questions”, we use if or whether.