What ever details provided by you above, I have created a benefit Illustration (check attachment). The fund value as per plan after 2 years of investment Rs.11905/-. As per your query your Current Fund Value: 9148.02, which is 2756.98 less than the illustrative value. The reason for that may be you may have invested in the equity market fund and equity market is down so your fund value. Always invest for min 5-10 years in an ULIP, 2 years is a very short time to judge a fund.
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