It was a horror show for shambolic Bayern at Borussia-Park as the Bundesliga leader was put to the sword, conceding three times in the opening 21 minutes.
Bensebaini struck twice after Kouadio Kone opened the scoring with his first goal for Die Fohlen, with Bayern at sixes and sevens as manager Julian Nagelsmann watched on at home, while isolating after testing positive for coronavirus.
Embolo helped himself to a quick-fire brace early in the second half to help Gladbach cruise into the third round, knocking Bayern out at the same stage it was sensationally beaten by Holstein Kiel at last season.
Kone capitalised on slack Bayern defending to open the scoring in the second minute, side-footing in with his right foot after Alphonso Davies gifted Gladbach possession with a poor pass.
Jonas Hofmann should have doubled their lead when he failed to hit the target after racing clear and Manuel Neuer showed great reflexes to tip Embolo's drive over the crossbar, with the Bundesliga champions all over the place at the back.
Bayern was caught napping again in the 15th minute and Bensebaini made it pay, bursting into the penalty area unmarked and sweeping in Hofmann's cutback with his right foot.
Things went from bad to worse for the Bavarian giants when Lucas Hernandez was adjudged to have fouled Embolo and Bensebaini nonchalantly slotted into the back of the net from the spot.
Dayot Upamecano was enduring a nightmare on his 23rd birthday, and he gifted Gladbach a fourth goal six minutes into the second half, failing to deal with a high ball down the middle and allowing Embolo to get on the scoresheet.
Upamecano was hauled off after that mistake, but there was no improvement in the Bayern defending as Embolo struck again soon after, beating a stunned Neuer after Luca Netz sent him clear.
Yann Sommer denied Serge Gnabry with a brilliant save after keeping out a Robert Lewandowski header and Josip Stanisic blazed over the crossbar as Bayern was unable to salvage some pride.