Kotak Life Insurance — Know about present value and refund value

Address:	Mumbai City, Maharashtra, 400022
Website:	kotaklifeinsurance.com

I have purchased kotak smart advantage(Uin 107l043v01)on[protected] with annual premium of rs 12000 and total amount paid rs 82000 let me know .What is present value of my policy no[protected] if i discontinue my policy- how much refund amount i would get back pl let me know on my email [protected]@gmail.com
Thanking you
Bir pal singh
(Policy holder)