This is likely to be in the eczmea family rather than fungus, since the latter would itch less and not get better with hydrocortisone. The little bumps are probably blocked follicles, which are common in the groin. I think their relationship with the itching is coincidental. I suggest trying an OTC cream specifically for itch, such as Sarna lotion, rather than even mild hydrocortisone, if the itch is ongoing. This kind of itch tends to persist or recur, though not always. It's annoying but controllable, and it's not contagious or otherwise significant. Next time you visit a doctor, have him or her check it out to make sure you're not missing anything.
Best.
Dr. Rockoff