Timely, balanced, and transparent detection of retinal diseases is essential to avert irreversible vision loss; however, current deep learning screeners are hampered by class imbalance, large models, and opaque reasoning. This paper presents a lightweight attention-augmented convolutional neural network (CNN) that addresses all three barriers. The network combines depthwise separable convolutions, squeeze-and-excitation, and global-context attention, and it incorporates gradient-based class activation mapping (Grad-CAM) and Grad-CAM++ to ensure that every decision is accompanied by pixel-level evidence. A 5335-image ten-class color-fundus dataset from Bangladeshi clinics, which was severely skewed (17-1509 images per class), was equalized using a synthetic minority oversampling technique (SMOTE) and task-specific augmentations. Images were resized to 150×150 px and split 70:15:15. The training used the adaptive moment estimation (Adam) optimizer (initial learning rate of 1×10-4, reduce-on-plateau, early stopping), ℓ2 regularization, and dual dropout. The 16.6 M parameter network converged in fewer than 50 epochs on a mid-range graphics processing unit (GPU) and reached 87.9% test accuracy, a macro-precision of 0.882, a macro-recall of 0.879, and a macro-F1-score of 0.880, reducing the error by 58% relative to the best ImageNet backbone (Inception-V3, 40.4% accuracy). Eight disorders recorded true-positive rates above 95%; macular scar and central serous chorioretinopathy attained F1-scores of 0.77 and 0.89, respectively. Saliency maps consistently highlighted optic disc margins, subretinal fluid, and other hallmarks. Targeted class re-balancing, lightweight attention, and integrated explainability, therefore, deliver accurate, transparent, and deployable retinal screening suitable for point-of-care ophthalmic triage on resource-limited hardware.