A pull-on disposable article has a liquid-absorbent first panel interposed between a liquid-absorbent sheet and liquid-impervious sheets, a waist-hole and a pair of leg-holes. The leg-holes are surrounding by leg-surrounding flaps extending in a leg-surrounding direction outside transversely opposite side edges of the first panel. A transverse dimension between the transversely opposite side edges is minimized in the vicinity of bottoms of the respective leg-holes. The leg-surrounding flaps are formed with first folding lines extending in the leg-surrounding direction and second folding lines extending in a transverse direction. The leg-surrounding flaps are tucked along the first and second folding lines into the respective leg-holes.