What percentage of the premiums I pay is allocated to my account value?

The percentage varies by policy year as follows:

Policy Year	Net Allocation as a Percentage of Premium
1	50%
2-5	94%
6 onwards	100%

In addition, will be a monthly charge of Rs 25.

Would I be able to make withdrawal from my account value or take loan while I am paying the premium?

Yes you may make withdrawal from your account value after the policy has run for at least 5 years, subject to minimum and maximum withdrawal amount as per company rules. You may also take loan up to 90% of the net cash surrender value as provided in the policy provisions.
But please note the main purpose of the account value is to meet you child's college fee. It is therefore , not advisable to utilize the accumulated funds for any other purpose.

What is the difference between the account value and cash surrender value?

Cash surrender value equals the account value less a surrender charge. The surrender charge depends on the policy years as follows:

Policy Year	Net Allocation as a Percentage of Premium
1	100%
2	50%
3	25%
4	15%
5	10%
6 onwards	Nil

How will the account value growth during the premium paying period?

Please note that the growt of account value depends on:

The amount and timing of your premium payments and

The investment yield that will be credited to your account value every month

None of these factors can be predicted so many years in advance.

However, an illustration will be provided to give you an idea of how each premium payment will increase the account value upto the time the college fees payments commence.

Please note that all the amounts shown in the illustration are projections and are not guaranteed.