Pudgy means fairly fat in a short, soft, round way. People say it about fingers, faces, babies, and a person who looks a little extra, not huge. It is milder and more informal than fat or obese, and it can sound almost cute — though actually, that “cute” tone is often in the speaker’s head, not in the listener’s. In careful or formal English you would pick another word. It is an everyday, slightly old-fashioned-feeling adjective, more at home in stories and chat than in a clinic.