Hello,
The condition in the image looks like a fungal infection, which can commonly affect areas like the thighs and groin. These infections often cause itching and discomfort. Using creams containing steroids like Panderm+ without proper diagnosis can sometimes worsen the condition.
Next Steps
I recommend an online consultation to provide a detailed assessment and treatment plan. Ensure proper hygiene, avoid tight clothing, and keep the area dry. I am happy to guide you further.