Change the following statement into indirect speech.
I said, "If you can lend me the money I needn't go to the bank."
A. I said that if you could lend me the money I needn't go to the bank.
B. I said that if he can lend me the money I needn't go to the bank.
C. I said that if he could lend me the money I needn't have to go the bank.
D. I said if he could lend me the money I needn't have to go to the bank.

Hint:-At whatever point you are citing another person's words, you utilize two sorts of talks – Direct or Indirect speech.
-At whatever point you report a speech there's an announcing verb utilized like "say" or "tell". For instance:-
Direct speech:- I love to play cricket.
Indirect speech:- He said that he loves to play cricket.

Complete answer:
"If you can lend me the money I needn't go to the bank."
The given sentence is a condition.
As per the guidelines of Narration and Reporting, in a conditional sentence, the present indefinite tense of the "if" condition changes into the past indefinite tense.
In this way, "lend" changes into "could lend". In the outcome clause, the verb takes 'would have' or 'have' with it. The pronoun 'you' changes into 'he'.
Accordingly, the sentence should be,
"I said if he could lend me the money I needn't have to go to the bank".

The correct answer is Option D.

Note:We don't have to change the tense in indirect speech if it describes a present activity, however presumably we do have to change the 'individual' from 'I' to 'she', for instance. We additionally may have to change words like 'my' and 'your'.
Yet, if the revealing verb is in the past tense, at that point ordinarily we change the tenses in the reported speech :-
Direct speech:- I like frozen yogurt.
Indirect speech:- She said (that) she enjoyed frozen yogurt.