Advice for premium payments?

#1
Dear TGs,

I have to pay premium for ICICI Prudential and Birla Sunlife Insurance. The due dates were already lapsed but i didn't pay because I feel maket will further go down. I am waiting to grab least NAV. Please advice me which is the apprx. limitations of market upto which we can wait (or) this is the correct time.

With regards.
 

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