I am also having this policy and getting no result from it . I am getting 2500/- hike in total investment of Rs. 162500/- in a six years. If I invested in post office or FD than I will get much more benefit. I suggest that don't buy these fake policy as selling by their agents and company not taking any responsibilities. My policy number APF3021295. If I request for surrender than it become loss in principal. What should I do? Please suggest.