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Birla BSLI Platinum Premier Plan

I took Birla BSLI Platinum Premier Plan. I have completed 4 years, paying an annual premium of rs 50,000/. I want to surrender the policy now. The lock-in period was 3 years. Surrender charges are 0 after completetion of 5 years.

What will be the surrender charges in my case and when will I get the money back? Thanks.

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