Yes, any PF accumulations withdrawn before 5 years of service is taxable. Incase your money is with RPFC then they don’t deduct tax on the same and expect you to add the same in your total taxable income when your file your return and pay tax normally no one does the same hence you can take liberty here….but in case your money is with the trust most of the companies deduct tax at the maximum slab rate…again depend on company to company……hence don’t assume its tax free unless 5 years are over as per Income Tax Act……….