Network Rail Defined Contribution (NRDC)

Welcome to the NRDC Pension Scheme page. The NRDC Scheme is generally available to all NR staff (subject to eligibility criteria).

You can learn more about the Scheme, the benefits it offers and the costs involved by downloading and reading the Members Guide.

If you are already a member you can log on (or register) at the link below and learn more about your own unique benefits.

The NRDC is a defined contribution scheme. 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. 

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 (RPS) 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 section of this site.

To see details about the investment options available through the NRDC please visit the Legal & General NRDC investment microsite.

Useful links

Network Rail Defined Contribution (NRDC) member login

L&G NRDC Investment Microsite
Further information on NRDC membership including investment fund factsheets.

SMART Booklet
Information about SMART – an alternative way of paying pension contributions

Money Helper Service
Free and impartial money advice, set up by government.

Pension Wise
Free and impartial government guidance about your defined contribution pension options.

NRDC Privacy Notice


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

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

NRDC Change of Contribution Form
Change the contributions paid into your Personal Retirement Account, including AVCs.

NRDC Change of Investment Form
Make changes to how and where your past and future contributions are invested.

NRDC Member Newsletter 2023
The 2023 issue of Choices, the newsletter for members of the NRDC Pension Scheme.

NRDC Statement of Investment Principles (SIP) 2023
The Scheme Trustee’s approach to investment is outlined in the Statement of Investment Principles (SIP).

NRDC Statement of Investment Arrangements (SIA) 2023
The Scheme Trustee’s investment strategy is outlined in the Statement of Investment Arrangements (SIA).

NRDC Report and Accounts 31 December 2023
The Trustee’s Report and Financial Statements for the year ending 31 December 2023.