Aditya Birla Capital Limited (ABCL) is a significant player in the financial services sector, offering a wide range of solutions for protecting, investing, and financing. The company operates through its subsidiaries - Aditya Birla Sun Life Insurance Company Ltd., Aditya Birla Finance Ltd., Aditya Birla Housing Finance Ltd., Aditya Birla Health Insurance Co. Ltd., Aditya Birla Money Ltd., and Adityabirlacapital.com Limited.

The diverse product portfolio offered by ABCL includes wealth management, life insurance, health insurance, asset management, housing finance, private equity investment advisory services, general insurance broking among others. These offerings cater to individuals as well as corporate clients with an aim to fulfill their varied financial needs.

One of the key factors that set ABCL apart from its competitors is its commitment to innovation and customer-centric approach. It has been at the forefront of leveraging technology to enhance customer experience across all its businesses. With digital transformation being a top priority for ABCL it has introduced several cutting-edge technological initiatives such as customizable online policy purchase options in insurance products and seamless digital loan application processes in lending products.

Additionally, ABCL's widespread presence across India gives it an edge over many other players in the industry. Its extensive distribution network ensures that customers from both urban and rural areas have access to high-quality financial products and services.

In terms of collaborations or partnerships, one notable example is its joint venture with MMI Holdings – 'AdityAegis' which focuses on providing innovative protection solutions in South Africa.