Read policy documents first and call customer care of BSLI, if you are not happy with the policy.
As per BSLI website -
So you can surrender after paying three years premium and you will get only 30% of two years premium (first year premium will not be refunded). So -
24,000 X 2 = 48,000
Surrender Value after three years = 48000 x 30% = Rs. 14,000
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