The ray of light bends towards the normal. When a ray of light enters from an optically rarer medium (having low refractive index) to an optically denser medium (having high refractive index), its speed slows down and it bends towards the normal. Since water is optically denser than air, a ray of light entering from air into the water will bend towards the normal. The light ray will bend towards the normal because air is a rarer medium and water is a denser medium. Since light is travelling from rarer to a denser medium, So, it will bend towards the normal.