. I would suggest you to get it evaluated from a dermatologist and get KOH examination and biopsy skin done to confirm the diagnosis. If it is a fungal infection then you need topical and oral antifungals. For dry skin, just wear cotton clothes and use a mild soap like dove.
It is very difficult to precisely confirm a diagnosis without examination and investigations and the answer is based on the medical information provided. For exact diagnosis, you are requested to consult your dermatologist. I sincerely hope that helps. Take care and please do keep me posted on how you are doing.