As per Kotak Capital Multiplier plan -
Surrender: On completion of three policy years, the policy acquires a Guaranteed Surrender Value provided all due premiums have been paid on time. The Guaranteed Surrender Value will be 30% of all premiums paid to date, excluding the first year's premium and extra premiums and rider premiums, if any. The value of bonus interest will also be included in the Surrender Value. The Company may consider paying a Special
Surrender Value, which will not be less than the Guaranteed Surrender Value as stated above.

So if you surrender it after paying 2 years premium, you will get 30% of 2 year premium => means 10000/ only.