She said to me, “Are you not afraid?”
Change Direct Speech into Indirect Speech

A. She asked me whether I am not afraid.
B. She asked me that I was not afraid.
C. She asked me if I was not afraid.
D. She asked me if I had not afraid.

Direct Speech: She said to me, “Are you not afraid?”

Indirect Speech: She asked me if I was not afraid.

Explanation:

When the reporting verb is in the past i.e said and the direct speech is in the present indefinite tense or simple present tense,
then the indirect speech will change into the past indefinite tense.

i.e Present Indefinite Tense into Past Indefinite Tense.

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

Can you Answer it now She said, “I shall go daily to school”.?