At the beginning of June, when a teacher at a government-sponsored school in Par-okata gram panchayat of Alipurduar district in northern West Bengal applied for a loan from Uttarbanga Kshetriya Gramin Bank, a regional rural bank sponsored by Central Bank of India, he was asked to produce a unique doc-ument—a certificate of passing the state’s Teacher Eligibility Test (TET). The branch manager later told the media that they were taking no risks while disbursing loans to teachers in government -aided and -sponsored schools, and were therefore asking for the TET result.