Maven - Alternate location for the .m2 folder or local Folder settings.xml [ Error code 401, Unauthorized ]

1. settings.xml
     Contains id,username,password
2. pom.xml
      Contains repository->private url for metadata access


use the below command
--global-settings

mvn -X clean install -gs "settings.xml"
or
mvn -X clean install -gs "D:/works/settings.xml"
or
mvn -X clean install -global-settings "D:/folderpath/settings.xml"