How To
http://www.windowsphone.com/en-US/how-to/wp8/apps/how-do-i-install-apps-from-an-sd-card
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how to install .xap file in windows phone 8
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Hi, Shivkumarsingh,
STEP 1: Copy all the .xap files which you want to install in your Windows 8 phone to your SD card.
STEP 2: Now go to Start -> Store -> SD card and wait for few minutes for all the .xap files to be loaded.
STEP 3: Select the app which you want to install -> Select Install option.
STEP 4: If your apps are compatible then you can see them in the Compatible apps list if not it will be shown in the Incompatible apps list.
STEP 5: Once you have successfully installed the apps, you can see those apps listed in the Apps list from start.
http://windows8search.com/forum/how-install-xap-files-windows-8-phone-2630.html
How do you sideload or install .XAP app files on Lumia devices that don't have SD Card slots?
how to download xap file and where
Go to Marketplace and look for the file to download
How to Guide - Windows Phone 7
how to download xap file and where