I am confused in clearing my concepts regarding these three questions
why do we need a secondary program loader ?
in which memory it gets loade
There is no theoretical need for a Secondary Program Loader (SPL). However, there are often pragmatic reasons for having one. Two off the top of my head.
The primary loader does whatever is necessary to load the full boot process (SPL). The primary loader, for example, may be stored in ROM with memory limitations.