Fileing return of income under Seventh proviso to section 139(1),

If i am a non-working housewife earning interest on SB FDs of Rs 75,000 in total (far below the taxable limit of Rs 2,50,000) but i have undertaken a pleasure trip to Europe in the last financial year where more more than 2 lakhs has been spent

Now what does this mean

(1) Does it mean that Rs 2 lac is used from a bank account where i am the primary holder in order to qualify to file a return of income under Seventh proviso to section 139(1),

(2) If 2 lacs was spent from my husbands account would i qualify to file a return of income under Seventh proviso to section 139(1),

(3) what if i has transferred Rs 2.5 lakhs to my husband's account who in turn spent it for the foreign family trip for 2 would i qualify to file a return of income under Seventh proviso to section 139(1),

Thanks