Index records comprise search-key values and data pointers. Multilevel index is stored on the disk along with the actual database files. As the size of the database grows, so does the size of the indices. There is an immense need to keep the index records in the main memory so as to speed up the search operations. If single-level index is used, then a large size index cannot be kept in memory which leads to multiple disk accesses.
Multi-level Index helps in breaking down the index into several smaller indices in order to make the outermost level so small that it can be saved in a single disk block, which can easily be accommodated anywhere in the main memory.