Water surface effect

Open a new file in Photoshop. My size is 300×300.
Set foreground color as a dark-blue, background as white.

Filter-Render-Clouds:

Let’s turn our clouds into water ripple.
Filter-Distort-Ripple
and put amount-999, size- large:

That’s what you should get:

Now we’ll make it more realistic. Repeat
Filter-Distort-Ripple,
but change size to medium, and leave amount of 999:

Water surface is ready!