At the beginning of June, when a teacher at a government-sponsored school in Parokata 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 document—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.