If we want to know in which direction light will bend at the boundary between transparent media we need to know:
Which is the faster, less optically dense (rare) medium with the smaller refractive index.
Which is the slower, more optically dense medium with the higher refractive index.
The degree to which refraction causes light to change direction is dealt with by Snell’s law.
Snell’s law considers the relationship between the angle of incidence, the angle of refraction and the refractive indices (plural of index) of the media on both sides of the boundary. If three of the four variables are known, then Snell’s law can calculate the fourth.
More about refraction in a raindrop
Light rays (streams of photons) undergo refraction twice when they encounter a raindrop, once as they enter, then again as they leave.
Once inside a raindrop, a given photon may reflect off the inside surface of a raindrop several times, but on each refraction, some light crosses the boundary back and undergoes refraction as it escapes into the surrounding air.
Some photons never escape, instead, they are absorbed when they strike electrons within a raindrop, releasing heat that can causes evaporation.