The proposed rate diverse network coded multiple access (RD-NCMA) technique implementing matched filter-multi-user detection (MF-MUD) for a power-balanced system ensures improvement in performance evaluation metrics over the Power-Domain Non-Orthogonal Multiple Access-Successive Interference Cancelation (PDNOMA-SIC)-based MUD technique. The MF-MUD structure and physical layer network coding (PNC) decoder with bridging mechanisms are implemented to compute native lone packets from the overlapped packets. Orthogonality ensured by the MF-MUD architecture significantly reduces the interference among different user’s intended composite signal per cluster. But, the increased correlation in the XOR packet enhances the reliability in the decoding procedure. Mutual information in the overlapped packets enhances the normalized BPSK packets per user per cluster. A throughput gain can be attained by the near end user by the adoption of Rate Diverse NCMA. Near end user is able to commensurate their respective SNR’s owing to good channel conditions experienced in comparison to far end user with weak channel condition. Upper bound limit of throughput is achieved by the near end user at 14 dB resulting in a reduced error rate performance equal to 0.