Files like .bashrc, .bash_profile, and .profile (also .login and few more in different shells) in user's home directory are called shell initialization
files. Content within these initialization files is used to build up user's working environment and to set various shell and environmental variables. These files can be customized by user himself or by admin.
If these files are missing or not available in user's home directory, then systems check for default settings in /etc/profile
is a command to set default permission of any newly created file/directory. For ease and convenience, it can be set in a user's shell initialization file(s). You can set the same the end of user's .bashrc or .profile file.
In your case, now any newly created file by the user1 will get a permission of 644 by default. BTW, I don't know your purpose of setting umaks manually, but your work sounds OK.