Returns from a fixed deposit are calculated using the formula below. A = P* (1+r/n)^(t*n) Where, A = maturity amount, r = rate of interest, n = compounding frequency, t = tenure. Let's take the example of Ms. Sonakshi, who invested Rs 1,00,000 in an FD for a tenure of 5 years, and interest of 6%, compounded annually. To calculate the returns from her investment, she can use the above formula. A = Rs 1,00,000 * (1+.06/1)*(5*1) = Rs 1,33,822.55 The investment of Rs 1,00,000 has grown to Rs 1,33,822.55 in five years. The returns are Rs 33,822.55, and the maturity amount is Rs 1,33,822.55.