Pooja, A framework provides some control code and leaves you to fill in some details. The framework provides hooks for you to customize it if need be. XML is typically used to provide some of the configuration details. That way the configuration can be changed separately from the code.
Basically, frameworks can be seen as proved generic solutions you may adapt to you specific needs. They generally speed up you developpement time simply because they manage common task for you and offer implicitly a well designed strategy to adress your problem.