Need further guidance for AVIVA YOUNG SCHOLAR SCHEME

[rldkwak]

Dear All
I am continuing one policy from AVIVA, name is AVIVA YOUNG SCHOLAR SCHEME. my premium is annually Rs 30,000.

I have already paid premium for 5 years.
Problem is , I have already paid Rs 1,50,000 for 5 years, but fund vale currently showing is : total= Rs 1,14,481.00
There is around Rs 35,519 depreciation in the total paid amount.
Please find the screenshot below for policy details where you can find Fund breakups:

My question is : Are all Insurance companies currently having problem with fund value depreciation, or Haven't I switched in proper funds? Should I surrender this policy and withdraw the amount immediately and put in other company's insurance ?

Regards
Rajib Das.

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