texture used : http://previews.123rf.com/images/kho/kho0903/kho090300031/4476358-ice-cube-isolated-on-white-background-Stock-Photo.jpg

texture used : http://www.ilikewallpaper.net/ipad-wallpapers/download/11166/Regal-Blue-ipad-wallpaper-ilikewallpaper_com.jpg

http://www.textileexpressfabrics.co.uk/WebRoot/BT4/Shops/BT3246/5330/03A0/DCC4/48FB/8679/0A0C/05EA/2F7E/luxury_crushed_velvet_gold.jpg

texture used : http://thumbs.dreamstime.com/z/vector-milk-splash-14558236.jpg

texture used : http://beneverson.com/blog/wp-content/uploads/2015/02/133948.jpg

http://thumbs.dreamstime.com/z/green-tea-texture-14298888.jpg

step by step and final image

Pic 1 : create lineart of shape and create colour palette in 1 layer

Pic 2 : colour in base colour in another layer 

Pic 3 : Shade the object on another layer via clipping mask

Pic 4 : Add in texture and change settings to 'Overlay'

Pic 5 : Refine image