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 Member's Guide.

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 (PRA) into which contributions are paid and at retirement the value of all the contributions paid in and investment returns achieved over the course of the membership are used to provide the member's benefits. 

Currently at retirement, up to 25% can be taken as a tax-free cash lump sum and the rest of the fund is used to buy an annuity to provide an income for life. Alternatively, it is possible to take all of the PRA as cash at retirement, with 25% paid tax free and 75% of it is taxed.

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 or those who have completed an Application Form to join the CARE Pension Scheme) are contractually enrolled into the NRDC from their first day of employment.

The NRDC scheme has a range of contributions from which you can select the most appropriate for you.  However, if no selection is made an employee contribution rate of 0% of pensionable earnings will apply with an employer contribution of 3% of pensionable earnings).  This is subject to the minimum contribution rate as detailed on the Auto-Enrolment Tab.

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.