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I don't know if you are in top 20 percentile or not, but if you have Maths as the subject, and score good in JEE, then you can get into IIT, NIT.
And yes you are eligible for NEET as you have scored more than 50% and if you have Biology as a subject.
Also 12th marks are not a big deciding factor. If you score good in Competitive exams like NEET or JEE, then you can definitely get a good college. But yes priority is given to the one with more marks in Class 10th and 12th.
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