Indusind bank, Palakkad, Kerala sold an Aviva SAVE GUARD policy to me 3 years back. Locking period of 3 years is over. When approached for surrender, return is Rs.1, 22, 000 as against a premium payment of Rs.1, 44, 000 and today’s fund value of Rs1, 55, 000. The difference, i.e. my loss of Rs.33, 000, it is understood is to be shared between First cheat AVIVA, second partner IndusInd bank and third by brand Ambassador. Surrender charges details were not explained while selling the policy to me. In India do we have any Govt. agencies who can protect my interests?