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We realize smooth hybrid inflation in the framework of supersymmetric $SU(5) \times U(1)_χ\subset SO(10)$ model which provides a natural solution to the monopole problem appearing in the spontaneous symmetry breaking of $SU(5)$. The breaking of $U(1)_χ$ symmetry leaves a residual discrete $Z_2$ symmetry, that serves as the MSSM matter parity, realizing the possibility of the lightest supersymmetric particle as a cold dark matter candidate. The $d = 5$ proton lifetime for the decay $p \rightarrow K^+ \barν$, mediated by color-triplet Higgsinos is found to satisfy current experimental bounds if split-high scale SUSY scenario is employed. We show that with minimal Kähler potential, the soft supersymmetry breaking terms play a vital rôle in bringing the scalar spectral index $n_s$ within the Planck's latest bounds. In a minimal Kähler potential setup, small values of tensor-to-scalar ratio $r \lesssim 3.5 \times 10^{-7}$ are obtained, whereas the gravitino mass turns out to be in the range that favors PeV scale SUSY but is not sufficiently high to avoid the $d = 5$ proton decay. A non-minimal Kähler potential including higher-order corrections is required to realize successful inflation with central value of scalar spectral index $n_s = 0.9655$, large tensor modes $r \lesssim 0.056$ and a low reheat temperature $(3\times 10^{6} \lesssim T_r \lesssim 6.5 \times 10^7 )$ GeV consistent with leptogenesis and baryogenesis.