There are several considerations here...
Indexed 2 ways by search engines - any problem?
You don't want any of your pages showing up for more than one URL. If they do, Google will index all variants and treat them as duplicate content.
Since Google doesn't like duplicate content, it will generally display only the URL with highest PageRank and will filter out all the others. It may not be the version that you've chosen to promote.
If different inbound links point to different URLs, the multiple URL situation will also result in a split link vote, ultimately costing you rankings... and it may also result in fewer pages on your site crawled by Google
As Ankit suggests, you need to select a preferred form for your urls and to eliminate the alternatives. The only dependable way to do this is by proper server setup.
If the choice here were limited to (a) or (b), I'd recommend (b), ie the version without index.html.
For more on this, take a look at the
Hot Topics [webmasterworld.com] section, pinned to the top of the Google SEO forum home page, and look at the section on "Duplicate Content". In particular, this thread applies to your question...
Domain Root vs. index.html [webmasterworld.com]
- yet another kind of duplicate I recommend reading the whole Duplicate Content section, since if this is currently a problem, you will inevitably have other dupe content issues as well.
And in the case of your question, I wouldn't stop just with getting rid of "index.html". I'd also get rid of the extra directory you have... "/h/".
You really want the default URL for your domain to resolve to...
www . abc . com/
That's where inbound links will naturally be directed, and you need to set up your preferred or "canonical" default domain variant to take advantage of that.
[edited by: Robert_Charlton at 8:31 am (utc) on Jul 9, 2010]