A 38-year-old woman from rural Maharashtra presents with progressive fatigue, dyspnea on exertion, and jaundice for 3 weeks. She has a history of recurrent episodes of fever and abdominal pain. On examination: pallor, icterus, splenomegaly (3 cm below costal margin), and dark urine. Hemoglobin 7.2 g/dL, reticulocyte count 12%, indirect bilirubin 4.8 mg/dL, haptoglobin <10 mg/dL. Peripheral blood smear shows spherocytes, polychromasia, and bite cells. Direct antiglobulin test (DAT) is negative. What is the most likely diagnosis?