Psu question

I am using a cooler master 650W PSU, while my requirement is not more then 350W my question is: My 650W PSU consuming more electricity then a 350 or 400W psu?

I believe it shouldn't consume more than whats being used by your components!

its consuming half of its rated maximum power, psuz are designed to have higher efficiency at 50% than at 80% or 100%.

and it only uses 350w power, not the 650w all the time!