path:/var/www/html/phpkobo/research/php-experimental/file-permission/test-file.php
File permissions:0664
is_readable:yes
is_writable:yes

---

Set file permission to 0655

path:/var/www/html/phpkobo/research/php-experimental/file-permission/test-file.php
File permissions:0664
is_readable:yes
is_writable:yes

---

Set file permission to 0655 with umask

path:/var/www/html/phpkobo/research/php-experimental/file-permission/test-file.php
File permissions:0664
is_readable:yes
is_writable:yes

---

Looks like umask won't work for a file!