Your server should be set up to show index.html, index.htm, index.php and so on as soon as you enter yoursiteurl.com in your browser.
You can set your server up to accept other file names, but this may be problematic with some shared hosting accounts, and there's little point if it's as simple as renaming a file.
You could also try using JavaScript to redirect the user if you really need to send them to a sub directory.
This is also possible with PHP using headers like this:
PHP Code:
<?php header("Location: http://www.google.com/"); ?>
You'd put that in index.php on it's own and when the user goes to yoursiteurl.com/ it will send them to wherever the header function is being told to send them (Google in this case).
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