自动转到子目录索引页.htaccess规则

I want that when I click on a link like this: <a href="settings/">Settings</a> it will go to the subdirectory, and load index.php. When I try this right now I get a 404 error

It works if the link is as so: <a href="settings/index.php">Settings</a> but I don't want index.php in the url.

Does anybody know how can I write an .htaccess rule to achieve this ?

.htaccess

DirectoryIndex index.php index.html

RewriteEngine On
RewriteCond %{REQUEST_FILENAME} !-f
RewriteRule ^([^\.]+)$ $1.php [NC,L]

Oh you just mentioned .htaccess, now i can answer. You just need to edit your DirectoryIndex directive. Add this to your .htaccess

DirectoryIndex index.php index.html

I added a comment before answering because you didn't specify the web server. After your comment mentioning .htaccess its surely apache and this solution is for apache. You can either edit your config file or add that to your .htaccess

This directive tells apache to use index.php as the directory index first and if it cant find that then look for index.html