Step 1

Open your photo. I used a J-lo photo here

Step 2

Go to Filter>>Texture>>Texturizer. Here, click on the small arrow, as shown below and select Load Texture. Now go to your Adobe Photoshop installation folder and go the texture folder, which is located here …\Photoshop CS\Presets\Textures. From here select the puzzle.psd file and hit OK.

Step 3

Now apply the following settings

Step 4

And you’re done. Your photo should look something like this:

Step 5

If you want to add a realistic effect, like taking out a piece of the puzzle, zoom in, select the Polygonal Lasso Tool and select a piece of the puzzle. Once you select you piece, cut and paste it into a different layer. You should see some thing like this. Depending on your background color .

Step 6

Now take it out, or move it, as you wish. Here is my effect. You can add some 3d effect to make the puzzle piece stand out more. Dropshadow and Innershadow