Birla Sunlife insurance is company of non-performing and unethical people who will charge heavily to your fund to pay their salaries.
I lost more than 50 thousands out of 2 lacs invested for more than 5 years. Surprisingly after recovery of market my fund did not recover.
When I looked into the matter, I found that it is negative due to charges put by Birla company and the amount is negative by exact same amount.
Never take any product of Birla Sun Life, if your love your hard earned money. Forget making money