diff --git a/src/compiler/checker.ts b/src/compiler/checker.ts
index 92a989a2bc707..3be8239dd8ba1 100644
--- a/src/compiler/checker.ts
+++ b/src/compiler/checker.ts
@@ -26331,17 +26331,32 @@ export function createTypeChecker(host: TypeCheckerHost): TypeChecker {
             if (isKnownProperty) {
                 // If the check is for a known property (i.e. a property declared in some constituent of
                 // the target type), we filter the target type by presence of absence of the property.
-                return filterType(type, t => isTypePresencePossible(t, name, assumeTrue));
+                const filtered = filterType(type, t => isTypePresencePossible(t, name, assumeTrue));
+                // without `noUncheckedIndexedAccess` we can't narrow any further
+                // `{ [x: PropertyKey]: T }[prop]` already returns `T`
+                if (!assumeTrue || !compilerOptions.noUncheckedIndexedAccess) {
+                    return filtered;
+                }
+                return mapType(filtered, t => {
+                    if (getPropertyOfType(type, name)) {
+                        return t;
+                    }
+                    return intersectWithNarrowingRecordType(type, nameType, getApplicableIndexInfoForName(type, name)!.type);
+                });
             }
             if (assumeTrue) {
                 // If the check is for an unknown property, we intersect the target type with `Record<X, unknown>`,
                 // where X is the name of the property.
-                const recordSymbol = getGlobalRecordSymbol();
-                if (recordSymbol) {
-                    return getIntersectionType([type, getTypeAliasInstantiation(recordSymbol, [nameType, unknownType])]);
-                }
+                return intersectWithNarrowingRecordType(type, nameType, unknownType);
             }
             return type;
+
+            function intersectWithNarrowingRecordType(type: Type, nameType: StringLiteralType | NumberLiteralType | UniqueESSymbolType, propType: Type) {
+                const recordSymbol = getGlobalRecordSymbol();
+                return recordSymbol
+                    ? getIntersectionType([type, getTypeAliasInstantiation(recordSymbol, [nameType, propType])])
+                    : type;
+            }
         }
 
         function narrowTypeByBinaryExpression(type: Type, expr: BinaryExpression, assumeTrue: boolean): Type {
diff --git a/tests/baselines/reference/inKeywordNarrowingWithNoUncheckedIndexedAccess.symbols b/tests/baselines/reference/inKeywordNarrowingWithNoUncheckedIndexedAccess.symbols
new file mode 100644
index 0000000000000..9a65d9b26a631
--- /dev/null
+++ b/tests/baselines/reference/inKeywordNarrowingWithNoUncheckedIndexedAccess.symbols
@@ -0,0 +1,56 @@
+=== tests/cases/compiler/inKeywordNarrowingWithNoUncheckedIndexedAccess.ts ===
+declare function invariant(condition: boolean): asserts condition;
+>invariant : Symbol(invariant, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 0, 0))
+>condition : Symbol(condition, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 0, 27))
+>condition : Symbol(condition, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 0, 27))
+
+function f1(obj: Record<string, string>) {
+>f1 : Symbol(f1, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 0, 66))
+>obj : Symbol(obj, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 2, 12))
+>Record : Symbol(Record, Decl(lib.es5.d.ts, --, --))
+
+  invariant("test" in obj);
+>invariant : Symbol(invariant, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 0, 0))
+>obj : Symbol(obj, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 2, 12))
+
+  return obj.test
+>obj.test : Symbol(test)
+>obj : Symbol(obj, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 2, 12))
+>test : Symbol(test)
+}
+
+function f2(obj: Record<string, string>) {
+>f2 : Symbol(f2, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 5, 1))
+>obj : Symbol(obj, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 7, 12))
+>Record : Symbol(Record, Decl(lib.es5.d.ts, --, --))
+
+  if ("test" in obj) {
+>obj : Symbol(obj, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 7, 12))
+
+    return obj.test
+>obj.test : Symbol(test)
+>obj : Symbol(obj, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 7, 12))
+>test : Symbol(test)
+  }
+  return "default"
+}
+
+function f3(obj: Record<string, string>) {
+>f3 : Symbol(f3, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 12, 1))
+>obj : Symbol(obj, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 14, 12))
+>Record : Symbol(Record, Decl(lib.es5.d.ts, --, --))
+
+  if ("test" in obj) {
+>obj : Symbol(obj, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 14, 12))
+
+    obj.test
+>obj.test : Symbol(test)
+>obj : Symbol(obj, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 14, 12))
+>test : Symbol(test)
+  }
+  else {
+    obj.test
+>obj : Symbol(obj, Decl(inKeywordNarrowingWithNoUncheckedIndexedAccess.ts, 14, 12))
+  }
+}
+
diff --git a/tests/baselines/reference/inKeywordNarrowingWithNoUncheckedIndexedAccess.types b/tests/baselines/reference/inKeywordNarrowingWithNoUncheckedIndexedAccess.types
new file mode 100644
index 0000000000000..587df1a22783d
--- /dev/null
+++ b/tests/baselines/reference/inKeywordNarrowingWithNoUncheckedIndexedAccess.types
@@ -0,0 +1,62 @@
+=== tests/cases/compiler/inKeywordNarrowingWithNoUncheckedIndexedAccess.ts ===
+declare function invariant(condition: boolean): asserts condition;
+>invariant : (condition: boolean) => asserts condition
+>condition : boolean
+
+function f1(obj: Record<string, string>) {
+>f1 : (obj: Record<string, string>) => string
+>obj : Record<string, string>
+
+  invariant("test" in obj);
+>invariant("test" in obj) : void
+>invariant : (condition: boolean) => asserts condition
+>"test" in obj : boolean
+>"test" : "test"
+>obj : Record<string, string>
+
+  return obj.test
+>obj.test : string
+>obj : Record<string, string> & Record<"test", string>
+>test : string
+}
+
+function f2(obj: Record<string, string>) {
+>f2 : (obj: Record<string, string>) => string
+>obj : Record<string, string>
+
+  if ("test" in obj) {
+>"test" in obj : boolean
+>"test" : "test"
+>obj : Record<string, string>
+
+    return obj.test
+>obj.test : string
+>obj : Record<string, string> & Record<"test", string>
+>test : string
+  }
+  return "default"
+>"default" : "default"
+}
+
+function f3(obj: Record<string, string>) {
+>f3 : (obj: Record<string, string>) => void
+>obj : Record<string, string>
+
+  if ("test" in obj) {
+>"test" in obj : boolean
+>"test" : "test"
+>obj : Record<string, string>
+
+    obj.test
+>obj.test : string
+>obj : Record<string, string> & Record<"test", string>
+>test : string
+  }
+  else {
+    obj.test
+>obj.test : string | undefined
+>obj : Record<string, string>
+>test : string | undefined
+  }
+}
+
diff --git a/tests/cases/compiler/inKeywordNarrowingWithNoUncheckedIndexedAccess.ts b/tests/cases/compiler/inKeywordNarrowingWithNoUncheckedIndexedAccess.ts
new file mode 100644
index 0000000000000..027cc183dd59c
--- /dev/null
+++ b/tests/cases/compiler/inKeywordNarrowingWithNoUncheckedIndexedAccess.ts
@@ -0,0 +1,26 @@
+// @strict: true
+// @noEmit: true
+// @noUncheckedIndexedAccess: true
+
+declare function invariant(condition: boolean): asserts condition;
+
+function f1(obj: Record<string, string>) {
+  invariant("test" in obj);
+  return obj.test
+}
+
+function f2(obj: Record<string, string>) {
+  if ("test" in obj) {
+    return obj.test
+  }
+  return "default"
+}
+
+function f3(obj: Record<string, string>) {
+  if ("test" in obj) {
+    obj.test
+  }
+  else {
+    obj.test
+  }
+}