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SURRENDER VALUE OF POLICY NO 35064747905

I am having SBI Life Policy with Number 35064747905.
I just wanted to know from SBILIFE the calculation of my policy surrender value. The details of my policy are as follows:
Commencement of policy: 27 July 2014
Premium Amt: Rs. 42817/year
I have paid total premium as on 24/09/2018=42817*5=Rs.2,14,085.
In reply they said surrender value as on 24/09/2018 is Rs.1,45,333.
That means If I surrender I am losing Rs. 68752 from my principal money.
Therefore I shall be highly obliged if you kindly help me in this regard as i am very much in need and i want to surrender my policy.
Regards

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