This is what the error I got
CREATE DATABASE [DBTest] ON
( FILENAME = N'D:\SQL_Data\DBTest.mdf' ),
( FILENAME = N'D:\SQL_Log\DBTest.ldf' )
ERROR Message: (Though I have full access to d drive and I can create any other DB on D drive)
Msg 5120, Level 16, State 101, Line 3
Unable to open the physical file "D:\SQL_Data\DBTest.mdf". Operating system error 5: "5(Access is denied.)".
Msg 1802, Level 16, State 7, Line 3
CREATE DATABASE failed. Some file names listed could not be created. Check related errors.