I was reading about Non Clustered Index which says that "Nonclustered index contain only the values from the indexed columns and row locators that point to the actual data rows, rather than contain the data rows themselves. This means that the query engine must take an additional step in order to locate the actual data."
Query - I am not clear with Row Locator. I am assuming that it is not any Primary key. There is something happening in background which has to do with Row-Locator to uniquely identify the row.