I would check for dust, but your card is not hitting idle clock speeds so it will be hot.
Have you set the Nvidia control panels power management mode to Adaptive or Prefer Maximum Performance. This(performance mode) may keep the card clocked higher if anything is using it. This includes video players(and flash/html5 video) and web browsers with hardware acceleration.
This would only explain the Higher idle clock speeds.
If you turn on Vsync in your games(or Nvidia Control Panel), if the card is more then powerful enough(for the given game), it will actually cool down as it will work less hard.
Really Really thank you man ... Power managment in nvidia control panel was set to prefer maximum performance and my browser was making trouble then i changed it too adaptive after then HORRAY! Everything is back to normal.