As you are describing the symptoms it looks like fungal infection. Don't apply any over the counter medicine like quadriderm, lobate gm, panderm plus etc. It ll worsen the condition. Don't take it lightly. You should consult a dermatologist for the same
Next Steps
Consult a dermatologist
Health Tips
Keep good care of hygiene, wash your clothes in boiling water, avoid wearing tight clothes and jeans. Apply antifungal powder along with good antifungal medicines. Don't apply any steroid anti fungal combination.