Organic chemistry is one unpredictable topic in chemistry. NCERT will only tell guide you through the basics. The number of applications (mechanism of reactions, named reactions and the like) that can be asked as a question in organic chemistry are numerous and requires practice from a good reference book. The more you practice the better you become at organic chemistry.
The gist is, you do need a reference book for MCQs and to understand further applications of many reactions when it comes to preparing for NEET-UG and AIIMS-UG entrance.
However, for school level examinations, NCERT should help. Application based questions, if at all asked will be from NCERT only.

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