FD stands for Fixed Deposit. Basically it means that u keep your money in the bank for a fixed period, like 1 month, 2 months, 3 months and so on, and you'll be paid a Fixed Interest, based on the period u choose to keep in FD. During the period of keeping your money in FD, u can't take your money out, unlike Savings account. If u take out your money during the FD period, the bank will charge u an interest fee instead.

If u want to open an FD account, just go to any bank counter and tell them that u want to open an FD account. They will then ask u how long u want to keep the money.