Correct Answer: I said to Kavya, "You are late for your class."

Solution : The fourth option is the correct answer.

Direct speech is a form of speech or writing where the actual words spoken by a person are quoted within quotation marks and attributed to the speaker.
Narration conversion:

• The reporting verb "told" is changed to "said".
• The past tense "was late" is changed to the present tense "are late".
• The third-person pronoun "she" is changed to the second-person pronoun "you".
• The direct words of the speaker are enclosed in inverted commas.

Therefore, the direct form would be: I said to Kavya, "You are late for your class."