Hail forms in cumulonimbus clouds through the following process:
1) Warm air near the ground rises into the atmosphere and cools, causing water vapor to condense into clouds.
2) Strong updrafts in cumulonimbus clouds contain supercooled water droplets that freeze upon colliding with condensation nuclei, starting the growth of hailstones.
3) As hailstones fall through the cloud, they accumulate more frozen water on contact with supercooled droplets, growing in size until they fall to the ground as hail.