Network Rail Defined Contribution (NRDC)

Welcome to the NRDC scheme's area of the site. The NRDC scheme is generally available to all NR staff (subject to eligibility criteria) and you can learn more about the scheme, the benefits it offers and the costs involved by downloading and reading the scheme booklet.

If you are already a member you can logon (or register) at the top of the page and learn more about your own unique benefits.

Network Rail Employees

The NRDC scheme is a defined contribution scheme, sometimes called ‘money purchase’. Each member has a Personal Retirement Account which contributions are paid into and at retirement the member can take up to 25% of the accumulated fund as a cash lump sum, and the balance must be used to purchase an annuity (pension) from an insurance company.

The NRDC scheme was set up on 1 April 2004 and is available to all new and existing employees under age 75. New employees (except those who are members of the Railways Pension Scheme being transferred under TUPE regulations to NR) are auto-enrolled into the NRDC unless they return a completed membership form to join either the NRDC or CARE pension scheme before employment commences. Members who are auto-enrolled have three months to complete an application form to remain in the NRDC.

To see details about the investment options available through the NRDC please click on the link below to go to the investment funds microsite.

Useful links


NRDC Members GuideNRDC Members Guide

The scheme booklet contains all you need to know to get started with your membership.

NRDC Expression of Wish FormNRDC Expression of Wish Form

It is very important you keep your expression of wish form up to date so the Trustee knows who you would like to receive any death benefits that may be payable.

NRDC Transfer in formNRDC Transfer in form

Move benefits built up in other schemes into your NRDC pension.

NRDC Change of Contribution FormNRDC Change of Contribution Form

Change the contributions paid into your Personal Retirement Account, including AVCs.

NRDC Change of investment formNRDC Change of investment form

Make changes to how and where your past and future contributions are invested.