There are 2 kinds of index files used with dBASE IV. The .ndx and the .mdx types. The .mdx is known as a production tag and has all the indices for a given database (.dbf) file while the .ndx has only a single index per .ndx file.
However, your issue about using these index files outside of dBASE is really different. When you USE a dBASE database file in dBASE, dBASE opens the database file (.dbf) and if there is a production index (.mdx) with the same filename, it will open and maintain that index as the database is updated. The .dbf file itself contains all the data, while the .mdx or .ndx files only have the sorted order info for dBASE to use when the data is used in a sorted order. A dBASE programmer would never do anything to an index file except program which fields he needs sorted and in which order -- dBASE handles this all internally.
I hope this is a start. If you need more, let me know.
John