Bank fd in 2 another family member bank a/c

Hello ,

I have Balance of  @ 120000 Rs. . in my A/c  ( Salaried Emplooyee paying tax around 10000 )

and 40000 & 10000 in my Son's A/c  ( Age +18 )

          I would like 2 make 3 FD  of Rs. 50000( 1 is from my A/c & another 2 is from my son's A/c ) > So I would like 2 knw how I can make FD so tht no provision of Clubbing is apply . Whether I should make trasfer my fund to my Child's A/c or Widraw Cash and deposit it in to Child A/c ??

Make me suggest .

Thnx in adv.

        Can Any 1 ?? Suggest me >