A furniture shop marks a bed at ₹24000 and takes 15% off that price, but then adds a fixed delivery-and-fitting charge of ₹960 to the discounted amount. Reckoned on the marked price, the buyer's effective discount is what percent?

The buyer pays $24000\times 0.85+960=20400+960=$ ₹21360, so the saving is ₹2640 on ₹24000 = 11%. The charge must be turned into a percent of the MARKED price (960/24000 = 4%, so 15 − 4 = 11); taking it as a percent of the discounted ₹20400 gives 15 − 4.7 = 10.3%, and dividing the ₹2640 saved by the ₹21360 paid gives 12.4%.