HDFC Bank — wrong information provided by agents, now i fight for my own hard earned money

Address: #404, Siri Lotus Appartment, 3rd Floor,near Uttarahalli Main Road, Behind Karnataka Bank

Hdfc life policy no:20854661
Deposited amount:310, 000 approx including gst

Today i am fighting for 210, 000 which hdfc life refuses to pay. We go to agents as we are lay mans and do not understand banking the technologies, but if agents give us wrong information we are trapped.

I had clearly asked the agent on what is the risk of terminating the policy in between, the only answer was there is no risk, you get back your money without the interest and gst amount..

Now i am in a family emergency where i need my deposited money, they say i have to pay 70% penalty on the deposited amount.

If this would have been told me before signing the papers i would have never signed the papers. The agent never told me about this penalty. I badly need by deposited money of 3 lakhs now and not in the position to pay 1.53 ongoing.

I feel deceived here where today i am stuck, the back refuses to pay back my money. I had actually asked for a plan that has no termination risks. They trapped me, by not giving me proper instructions