Mix together the sweetened condensed milk, pudding mix and milk until combined.

In a separate bowl, beat the heavy whipping cream with a stand up mixer until stiff peaks form.  Gently stir the homemade whipped cream into the pudding mixture until combined.

Refrigerate until ready to use.

Preheat the oven to 350 degrees Fahrenheit and line 2 muffin tins with cupcake liners.

Mix together all the cupcake ingredients.  Pour the batter into the cupcake liners and bake based on the package instructions.

Remove from the oven and let the cupcakes cool completely on wire racks.

Remove a small middle portion of each cupcake that is approximately 1 1/2 inches wide and 1 inch deep.

Spoon the filling mixture into af piping bag and pipe the pudding mixture into the center of each cupcake. Make sure just to fill it to the top of the cupcakes.

Place the heavy whipping cream in a large microwave safe bowl.  Microwave for 1 minute.

Add the chocolate chips to the bowl.  Let the mixture sit for 2-3 minutes so that the chocolate can melt.  Then whisk until the topping is smooth.

Dip the tops of the cupcakes into the chocolate ganache mixture.

Then the cupcakes are ready to serve and enjoy!