Accessing government welfare schemes in India remains difficult for emergent users—individuals with limited literacy, digital familiarity, or language support. This paper compares two mobile platforms that deliver the same scheme-related information but differ in interaction modality: myScheme, a government-built, form-based Android application, and Prabodhini, a voice-based conversational prototype powered by generative AI and Retrieval-Augmented Generation (RAG). Through a task-based comparative study with 15 low-income participants, we examine usability, task completion time, and user preference. Drawing on theories such as the Gulf of Execution and Zipf’s Law of Least Effort, we show that Prabodhini’s conversational design and support for natural language input better align with emergent users’ mental models and practices. Our findings highlight the value of multimodal, voice-first NLP systems for improving trust, access, and inclusion in public digital services. We discuss implications for designing accessible language technologies for marginalised populations.