A 38-year-old woman from rural Maharashtra presents with a 3-month history of progressive fatigue, dyspnea on exertion, and jaundice. On examination, she is pale with mild hepatosplenomegaly. Laboratory investigations reveal hemoglobin 7.2 g/dL, reticulocyte count 8%, indirect bilirubin 3.2 mg/dL, and LDH 680 U/L. Peripheral blood smear shows numerous spherocytes, polychromasia, and occasional microspherocytes. Direct antiglobulin test (DAT/Coombs) is positive. What is the most likely diagnosis?