When interest is not compounded annually but with a periodicity of "n", i.e. interest is incurred "n" times annually:
A = $$P\left(1+\frac{R}{n\cdot100}\right)^{n\cdot T}$$
For example, when the periodicity is 2, i.e. "n" = 2, the interest is compounded half-yearly:
A=$$P\left(1+\dfrac{R}{200}\right)^{2T}$$
and when the periodicity is 4, i.e. "n" = 4, the interest is compounded quarterly:
$$A = P\left(1+\dfrac{R}{400}\right)^{4T}$$
