Hello, Rajitha. Welcome to the forum!
Namarupa formation is a deep subject. I recommend reading the subsection: “Nāma & Rūpa to Nāmarūpa“.
Of course namarupa formation is subjective. Basically, one “prepares one’s own future” by the way one cultivates one’s sankhara. “Sankhara paccaya vinnana” leads to the cultivation of different types of vinnana, which in turn give rise to kamma beeja for future births. The Paticca Samuppada cycle leads to bhava and jati, and thus to all future suffering.
This is where one puts together all aspects of one’s understanding of Buddha Dhamma. Vinnana is the the link between between mind and matter, as explained in that subsection.