Create Water Droplets in Photoshop - graphic-identity.blogspot.com
This tutorial is very easy for Photoshop beginners, but there are other ways to create water droplets using Photoshop. The problem is sometimes the water droplets won’t appear to be natural or realistic on the first attempt of applying some filter effect. Filter effects would likely produce uniform artificially looking water droplets on an object surface. Therefore, as usual...you need to retouch to finish this effect.

Download Water Droplets Photoshop Action here