From the symptoms that you have described, chances are less that it is a fungal infection as fungal infection is usually wet and itchy. It does not present as dry cut like itchy skin. Such a symptom can be due to intertrigo skin or eczema skin. Intertrigo most commonly occurs due to bacterial, viral or fungal infection. An intertrigo usually appears red and raw-looking, and may also itch, ooze, and be sore.
I suggest you to get the diagnosis confirmed from a dermatologist.
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.