diff --git a/fs/ext4/acl.h b/fs/ext4/acl.h
index 9b63f5416a2f..7f3b25b3fa6d 100644
--- a/fs/ext4/acl.h
+++ b/fs/ext4/acl.h
@@ -67,6 +67,11 @@ extern int ext4_init_acl(handle_t *, struct inode *, struct inode *);
 static inline int
 ext4_init_acl(handle_t *handle, struct inode *inode, struct inode *dir)
 {
+	/* usually, the umask is applied by posix_acl_create(), but if
+	   ext4 ACL support is disabled at compile time, we need to do
+	   it here, because posix_acl_create() will never be called */
+	inode->i_mode &= ~current_umask();
+
 	return 0;
 }
 #endif  /* CONFIG_EXT4_FS_POSIX_ACL */