PNB MetLife — policy number:[protected] on surrender pnb metlife deducted 45 percent of my deposited amount

I have bought endowment plan policy 22013684 from pnb met life policy in year 2016, when I surrendered my policy in 2019 for my personal reason and they have deducted around 45% of my total amount deposited in policy.
I followed up this matter with their grievance team and GRO but didn't get any satisfactory answer how my money reached to almost half in 3 years.
please see below mails i sent to them by asking where amount was invested that reached to almost half and asked further more are they following the rules and regulation of IRDA about deduction charges and that is still not answered by them.
So I request you to look into this matter and help me to get my money back from pnbmetlife.