This paper describes JHARNA-MT, our system for the MMLoSo 2025 Shared Task on translation between high-resource languages (Hindi, English) and four low-resource Indic tribal languages: Bhili, Gondi, Mundari, and Santali. The task poses significant challenges, including data sparsity, morphological richness, and structural divergence across language pairs. To address these, we propose a hybrid translation pipeline that integrates non-parametric retrieval, lexical statistical machine translation (SMT), and LoRA-tuned NLLB-200 neural machine translation under a unified Minimum Bayes Risk (MBR) decoding framework. Exact and fuzzy retrieval exploit redundancy in government and administrative texts, SMT with diagonal alignment priors and back-translation provides lexically faithful hypotheses, and the NLLB-LoRA component contributes fluent neural candidates. MBR decoding selects consensus translations using a metric-matched utility based on a weighted combination of BLEU and chrF, mitigating the complementary error modes of SMT and NMT. Our final system, further enhanced with script-aware digit normalization and entity-preserving post-processing, achieves a private leaderboard score of 186.37 and ranks 2nd overall in the shared task, with ablation studies confirming the contribution of each component.