The treatment for fungal infection is simple. You have to take anti fungal tablets and creams for 4 to 6 weeks following which it resolves. Do not apply soap on that area and do not self treat with over the counter steroid creams. Mistreatment with steroid creams like panderm, fourderm, betnovate, candid b etc and self treatment with cheaper generic medicine is the most common reason for recurrent disease. If you could tune using Panderm, it will cause serious and permanent damage to the skin. Kindly call me or send photos using online consult option for accurate diagnosis and treatment.  If this is fungal infection, it needs to be treated as early as possible as it will spread further on your body  and also to other people in the household.