I am using a CMS which shows two links for the same page.
example.com/personal example.com/personal/index.html example.com/personal/index.html?abc=1
Is this ok? Or do search engines penalize me for this?
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This is not a good practice. For Google, these are 3 different URLs and they all have the same content. I would suggest using Canonical URL to avoid the Duplicate content issue.
Here is the official documentation by Google about the Duplicate content. https://support.google.com/webmasters/answer/66359?hl=en
Also, read Moz's Guide about avoiding description. https://moz.com/blog/duplicate-content-in-a-post-panda-world