If you are using Webdriver then the item you are looking for is Selected.
Often times in the render of the checkbox doesn't actually apply the attribute checked unless specified.
So what you would look for in Selenium Webdriver is this
isChecked = e.findElement(By.tagName("input")).Selected;
As there is no Selected in WebDriver Java API, the above code should be as follows:
isChecked = e.findElement(By.tagName("input")).isSelected();