Re: .bashrc and a umask default mask
Putty does not read any file, Putty is "dumb" terminal. WinSCP does not read such files too and it will not. bashrc and similar files are platform specific and must be either automatically read by the platform or ignored. My point was that if the bashrc file is read and reflected by your server, setting "Set permission" may override it. Try to uncheck it.
OK sorry for my incorrectness.