well, the thing is, lets say I am using primary indexing method. That means, my index file contains two fields.
1) the primary key field value.
2) The pointer to the block containing the record corresponding to the value.
Both my index file and my data file are sorted with respect to the primary key field value.
My data file is stored over many disc blocks.
So, if I need to retrieve a record whose promary key value is known, I need to do a binary search on the index file to find out which disc block can hold the record that I am interested in. For this,I need the pointer to that block. Now that I have the pointer, I can load that block to the memory and retrieve the tuple.
So, disk is of relevance here as I cant store my entire data file in the memory.I can only load parts of it as and when required.