(number)
The file mode creation mask is initialized to this value. If not
specified, the mask will be initialized to 022.
useradd and newusers use this
mask to set the mode of the home directory they create
It is also used by login to define users' initial
umask. Note that this mask can be overriden by the user's GECOS
line (if is set) or by the
specification of a limit with the K identifier
in limits5.